8 oz. cream cheese
1 diced onion
1 diced tomato
4 oz. chili peppers
1 jar taco sauce
1 pkg. shredded Monterey Jack cheese
1 pkg. shredded cheddar cheese
Black olive

Beginning with cream cheese, layer each of the ingredients on a pizza plate, ending with black olives.

Bake at 350 degrees for 35-40 minutes or until cheeses are melted.

Serve with plain nachos.