1 lb. ground beef
1 lg. onion, chopped
1 red pepper
1 can refried beans
1 can Wolf brand chili
1 lg. can tomatoes
1 lb. cheddar cheese
2 garlic buds

Brown ground beef, onion, and red pepper. Add beans, chili and tomatoes and cook 45 minutes at 325 degrees. Add cheese and garlic buds last 10 minutes and cook until cheese melts.