In a 2-quart baking dish, spread a layer of heated refried beans evenly on the bottom of the pan. On top of the beans, sprinkle the shredded cheese over the refried beans. Then pour a jar of chunky salsa over the cheese. Then spread prepared guacamole evenly over the top of the salsa. Lastly, spread the Heluva Good! Jalapeno Cheddar Dip over the top of the guacamole. If you like sprinkle diced tomatoes, cilantro or black olives over the top. Then dig in!