LAYERED TACO DIP

LAYERED TACO DIP was pinched from <a href="http://thesouthernladycooks.com/2014/01/31/layered-taco-dip/" target="_blank">thesouthernladycooks.com.</a>
INGREDIENTS
1 (14 ounce) can refried beans
1 (8 ounce) package cream cheese, softened
1 cup sour cream
1 (1 ounce) package taco seasoning mix
1/4 teaspoon salt
1/2 teaspoon black pepper
1 (6 ounce) can sliced black olives, drained
1 (4 ounce) can green chilis, drained (can use hot peppers or jalapenos)
3 or 4 green onions, chopped
1 cup chunky salsa
1 firm medium fresh tomato, chopped
1 avocado, peeled, seeded and chopped
1 to 2 cups of your favorite shredded cheese (I used Mexican)
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