7 Layer Bean Dip

Ingredients:
2 cans refried beans
1/2 cup cream cheese, softened (or from a tub)
16 oz container sour cream (1 small tub)
1/2 packet ranch dressing (could use ranch dip packet)
~ 1/2 cup salsa (homemade or Pace Picante)
1 cup cheese, grated (cheddar or monterey jack)
green onions, chopped
avocado, chopped
tomato, chopped

Directions:
Spread the refried beans in the bottom of a 9x13 pan
Blend the cream cheese with a hand mixer until smooth, add sour cream and blend, then add ranch seasoning. Spread over beans as second layer. 
Salsa is the next layer
Grated cheese comes next
top with green onions, avocado and tomato chunks if you wish