Dale Dip

1 (8 oz.) pkg Cream Cheese, softened
1 can Refried Beans
1 can Chili no Beans
1 (16 oz.) jar Salsa
2 cups shredded Cheddar Cheese
1 bag Tortilla Chips

Heat oven to 350.

In a 13x9 pan spread cream cheese.

In a small bowl stir the refried beans.

Layers should go cream cheese, refried beans, chili no beans, salsa and cheese.

Bake for 20 minutes.

Serve with tortilla chips.