I got this recipe from a pal here in Reno. It's staggeringly simple - ready in a snap - and nothing short of delicious.
8 oz. cream cheese (or neufchatel)
2/3 cup brown sugar
1/2 cup chocolate toffee bits (as in Heath), found in the chocolate chips isle
Blend cream cheese and brown sugar together until well combined. Stir in toffee bits. Serve with fresh apple slices.
In a pinch you can use mini chocolate chips in place of the toffee.