cheesy mexican rice bake

Ingredients

• 1 pound ground beef
• 1 large onion chopped
• 1 - green pepper chopped
• 1 - red pepper chopped
• 2 teaspoons garlic powder
• 1 tablespoon chili powder
• 1 teaspoon ground cumin
• 2 packages bovril dry beef stock
• 1 teaspoon salt
• 2 teaspoons black pepper
• 1 cup salsa, chunky
• 3 cups shredded cheddar cheese
• 3 cups water
• 1 1/2 cups white rice
• - lettuce, chopped tomato, olives, sour cream, nacho chips, salsa.