My Original Refried Bean Dip

I don't know why this isn't on here.  I make it about once a month.  I've made it for years and years. It always gets eaten.  I've wrapped it up in tortillas and shared it with sick friends.  As a dip, it will keep warmed in a small Crock Pot for gatherings.  It's easy, takes no time at all to make, and you can change up the ground meat.  Use whatever heat level of salsa you prefer.  And use your favorite refried beans, too!  Customize to suit yourself, your kids, your guests!  Sorry it's taken me so long to remember to get this on here.....

 My Original Refried Bean Dip

1 pound lean ground beef                 Brown beef and onion until beef is completely
1 medium onion, chopped              cooked.  Add the rest of the ingredients except
rounded T. chili powder                  beans and cheese; mix and simmer 10 minutes. 
1 tsp cumin                                Add beans, stir, and heat through.  Either sprinkle
2 tsp oregano, crushed           cheese on top or stir in completely.  (Extra cheese is 
1/2 tsp garlic powder               often added to individual servings here!)  Serve with
1 cup salsa                                     tortilla chips.  Garnish as desired.  (Or, roll up in
1/2 cup water                                                                tortillas with extra cheese!!)

1 can refried beans (15 or 16 ounce can)
1 cup (or more!) shredded Cheddar cheese (or Mexican blend)

If you use ground turkey, the texture won't be quite the same (obviously) but the difference isn't so great that anyone complains usually!!