Heat the oil in a large skillet. Add the garlic and cook until it starts to sizzle. Add the onion and bell pepper, and cook for 7-8 minutes, until the onion is soft and translucent.
Add the rice and cook for about 10 minutes, stirring frequently. Add the cumin, beans, bean-cooking liquid, Worcestershire sauce, salt, and pepper. Cook until all the liquid is absorbed, but the mixture is moist, for 10-15 minutes. Don't forget to stir. If the mixture is too dry, add a little bit more cooking liquid.
Stir in the cilantro and turn off the heat. Serve with tortilla, fried eggs, avocado, fried plantains, exotic fruit, or cheese. Enjoy!