1 lg. pkg. cream cheese
1 lg. cottage cheese
2 lg. cans pineapple chunks
1 lg. pkg. miniature marshmallows
1/2 c. milk
1 lg. Cool Whip
1 lg. Jello, any flavor

Cook cream cheese and 1/2 cup milk together until all is melted. Add marshmallows and be sure all is melted. Add this mixture in a large bowl with cottage cheese, Cool Whip, fruit and Jello. Garnish top with coconut and-or nuts and cherries, or whatever you desire.