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(My own recipe, although not particularly innovative)
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Game plan: Start rice.
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While rice is cooking, prepare beans and salsa.
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Store for later, or possibly assemble dish and eat.
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Detailed instructions:
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Cook rice as directed on package.
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If no directions, rinse rice thoroughly, place in small pan with water and salt (optional).
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Heat on high till boiling, then reduce heat to simmer, cover, and cook for 40 min.
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Turn heat off, let rice sit for 5 min, remove cover and fluff with a fork.
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Empty black beans into microwaveable bowl.
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Stir in spices (start with the smaller amounts, then increase to taste).
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Bring beans to simmer in microwave.
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While rice cooks, let sit to blend flavors.
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Wash and chop tomatoes, mince onion.
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Wash cilantro, strip leaves off, tear/crush the leaves and add in them to the tomato and onion.
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Mix.
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While rice cooks, let sit to blend flavors.
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Grate cheese.
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(At this point, everything may be placed in the refrigerator for later reheating, if you like.)
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Divide rice in half, and spread each half onto a medium-sized plate.
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Divide beans in half, and spread each half over the rice.
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If rice and beans are cool (e.g., were in the 'fridge), heat in microwave before adding cheese.
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Sprinkle half of the grated cheese over each plate, return plate to microwave briefly (15-20 seconds) to heat the cheese.
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Top with salsa immediately before eating.