The night before, in a large bowl of water add the beans and soak over night (at 8 hours). Then drain and rinse.
In a large pot on low/medium heat, add the oil, chopped onion, carrot and garlic, for 2 minutes. Then add the chopped peppers and celery and cook 2 minutes.
Then add the remaining ingredients including the beans and simmer on low / medium heat for approximately one hour or until beans are cooked and tender. Taste for salt.
Serve immediately with shredded cheese on top if desired. Enjoy.