Heat half and half over medium heat in small saucepan. *I use a small cast iron pan and it works GREAT!
Reduce heat to low once simmering, not quite boiling.
Stir in the cheeses starting with the white American first. Increase heat to medium and continuously whisk cheeses until completely melted.
Once all the cheese is melted, add in the jalapenos, chili powder, red pepper, salt, and pepper.
Top with garnishes of choice and serve with tortilla chips!