So, this is a really really good dip and it is so easy to make.  This is not a picture of the dip itself but this is pretty much what it will look like.

1 16 oz can of refried beans

1 cup of Picante salsa

1 cup of shredded Monterey Jack cheese

1 cup of shredded cheddar cheese

3/4 cup of sour cream

3 oz of cream cheese

1 tablespoon of chili powder

1/4 teaspoon of ground cumin

So now for the easy part.  Mix it all up in a crock pot on high until it’s melted.  Stir occasionally.  When it’s all nice and very warm (it will be quite hot) turn the crock pot to warm and serve with tortilla chips.  So yummy!