In a covered sauce pan simmer potatoes, water, onion, and bouillon for 10 min.

Add cauliflower and continue simmering for an additional 10 minutes or until cauliflower is tender

Stir in 2 1/2 cups milk, ham, nutmeg, and pepper. Bring to a boil.

Take remaining 1/2 cup of milk and blend with the flour. Pour milk and flour mixture into the sauce pan stir and cook until thick and bubbly.