Heat oil and saute garlic and onion until light golden, about 7 to 9 minutes. Add chili powder and cumin. Continue cooking, stirring constantly, for 2 minutes. Add ground beef and chuck and cook, stirring, until evenly browned. Stir in remaining ingredients except flour and bring to a boil; reduce heat to low and simmer for 1 hour. Mix massa or flour with a little water and pour into chili and simmer for an additional 30 minutes. Discard bay leaf.