1 1/2 lb. lean ground beef
1/2 c. chopped onion
1/4 tsp. salt
1/3 tsp. MSG
1/4 tsp. chili powder
1/4 tsp. black pepper
3/4 c. sharp cheese, grated
3/4 c. Monterey Jack cheese, grated
1/2 c. bell pepper, chopped
1/8 c. jalapeno peppers
3/4 jar med. Old El Paso salsa
1/2 c. refried beans

Saute ground beef, onion and pepper (drain any grease). Add all seasonings and peppers; stir well. Add cheese and salsa, then stir in refried beans. Cook until all is blended. Serve hot with chips.