Hearty Bean And Vegetable Stew

• 3 garlic (cloves minced)
• 1 onion (diced)
• 1 bay leaf
• 500 gr beans assorted dry
• 475 ml vegetable juice
• 120 gr rice
• 120 ml dry wine (white)
• 80 gr apple
• 80 ml soy sauce
• 65 gr parsnips (diced)