Rinse and drain beans. Cover with water and bring to a boil. Turn off heat and soak for one hour (with the lid on the pot). Rinse and drain again then cover with water in the same pot and bring to a boil. Simmer, covered, another one to two hours, until tender. Drain (reserve liquid).

In a large skillet, heat vegetable oil or bacon grease. Add tomato, onion, peppers, garlic powder, cumin and cayenne pepper (a little, a lot, up to you!); saute on medium-low until onion and peppers are soft (about 15 minutes).

Continuing to cook, add drained beans, seasoning with salt to taste. Using a potato masher, mash beans in the skillet, adding cooking liquid from the beans as needed.

Once beans are mashed and well-blended, turn off heat.