Layer ingredients as given in same order in a rectangular pan.

1 can bean dip or refried beans (I use refried beans)
1 pkg. taco seasoning mix
8 oz. tub sour cream
1 med. tub avocado dip
1 can sliced ripe olives
6 green onions, chopped
1 lg. tomato, chopped
1 pkg. shredded Cheddar cheese
1 pkg. shredded Mozzarella cheese

You can add more of or less of an item as you wish. I also add a fresh avocado when in season.