Brown the ground beef in a medium skillet.  Drain.  Add the chili powder, cumin and salt.  Set aside for the moment.  Spread a thin layer of refried beans or bean dip to the bottom of a platter or shallow, heat-proof bowl to anchor the first layer of chips.  Then spread a layer of chips over the beans, top with a layer of cheese; ground beef, onion, tomato and olives.  Repeat until all the ingredients are used.  Since this recipe usually makes roughly 4 layers, you can divide all the toppings into 4 portions for even layering if desired.  Microwave on high until heated through, usually about 10 minutes.  You can also bake at 375° for 20-30 minutes.