INGREDIENTS
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1 (14 ounce) can refried beans
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1 (8 ounce) package cream cheese, softened
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1 cup sour cream
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1 (1 ounce) package taco seasoning mix
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1/4 teaspoon salt
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1/2 teaspoon black pepper
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1 (6 ounce) can sliced black olives, drained
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1 (4 ounce) can green chilis, drained (can use hot peppers or jalapenos)
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3 or 4 green onions, chopped
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1 cup chunky salsa
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1 firm medium fresh tomato, chopped
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1 avocado, peeled, seeded and chopped
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1 to 2 cups of your favorite shredded cheese (I used Mexican)