Spread beans in bottom of 9" deep dish pie plate. Sprinkle some cheddar and jack cheese, about 4 oz. Of each. Slice cream cheese thinly and lay out as a layer over beans and cheeses. Pour over 1 can of your favorite chili, or home made.Top with remaining cheeses. Microwave on High power 5 minutes or til bubbly and heated through. Serve with chips.

Toss in some green chile peppers and chopped fresh tomatoes under the chili layer if desired. (my kids are picky..Lol )