3 amazing bean dip Recipes

fat-free refried beans, chunky salsa, mild flavor, shredded taco cheese, shredded lettuce, sour cream, jalapeno pepper (seeded and chopped )

lean ground beef, fresh minced garlic cloves (optional) or 2 garlic powder (optional), onion, chopped, salt or seasoning, refried beans, green chilies, drained and chopped, monterey jack cheese (or to taste) or 3/4 lb mild cheddar cheese, finey shredded (or to taste), taco sauce (mild or spicy, i like the spicy !), avocados or 1 (6 oz) package frozen avocado dip, sour cream, black olives, sliced, tostados or tortilla chips