Spicy and Creamy Potato Chowder

Name: Spicy and Creamy Potato Chowder
Ingredients: Oil or Butter : 1 tbsp; Onions : 1/4 cup finely chopped; Carrots : 1/4 cup finely chopped; Celery : 1/4 cup finely chopped; Garlic : 1 tsp minced; Potatoes : 2 medium finely chopped; Water or vegetable broth/stock : 4 cups; Refined flour : 1/4 cup; Milk skim : 1/2 cup; Heavy cream optional : 1/4 cup; Cheddar cheese : 2 tbsp optional; Parsley : to garnish; Salt and pepper to taste; Red pepper powder : 1/8 tsp, optional; Cumin powder : 1/2 tsp, optional; Turmeric : 1/8 tsp for golden appearance of the soup, optional