I used to buy occasionally the 7 layer taco dip from the stores but the flavor of untoasted cumin seeds always made me gag so I stopped buying. After several years of not eating anything Tex Mex [except chili], I suddenly had the munchies for taco dip. First I had to make taco seasoning then cooked a small bag of beans for the refried beans layer; recipe for both are below. It's a tedious process but well worth it. The toasted cumin seeds make the difference in the flavor of any dish you use it in.