Black Bean Chili with Rice

1 lb Lean ground beef

3 c Cooked black beans

1 c Diced green pepper

1 c Chopped onions

1 c Diced carrots

1 T Chili powder

2 Garlic cloves, minced

2 Bay leaves

1/2 t Ground red pepper

3 c Vegetable or tomato juice

4 c Hot cooked rice

Cook beef in 2-3 quart sauce pan over medium heat, stirring to crumble. Add all ingredients except rice. Bring to boil; simmer uncovered 20-25 minutes. Remove bay leaves. Serve over hot rice with chips on side.