over the top nachos

Ingredients

• 1 pound ground beef
• 1 large onion diced
• dash salt and pepper to taste
• 1-2 tablespoon taco seasoning(i make my own)
• 2-3 cups shredded cheddar or taco cheese
• 16 ounces can refried beans
• 1 can ripe black olives, sliced
• 1 1/2 cups velveeta, diced
• 1/2 cup milk
• 1 can rotel type tomatoes, drained
• 1 large onion, diced for topping
• 3 large roma tomatoes diced
• 1 bag tortilla chips, your choice
• 1-5 large jalapeno peppers, sliced