Preheat oven 400 degrees.

Scrub potatoes and pierce several times with fork.

Bake in preheated oven 45-60 minutes until can easily be pierced with fork,

Remove from oven and cut in half length wise and allow to cool. Reduce oven to 350 degrees.

Meanwhile in medium mixing bow combine beans, onion, tomato, chili powder, and garlic powder and mix well. Cover in put in fridge.

Scoop potato flesh out of skins in put in bowl with butter, sour cream, mayo, half cheese mixture and salt & pepper to taste.

Mash with fork or potato masher and spoon mixture evenly between the potatoes.

Cover with remaining cheese and bake 10-15 minutes until bubbly and slightly browned.

Remove from oven and top with bean mixture.

Can also top with Avocado that has been chopped and juice of lime over it.