1 egg
3/4 c. milk
1/2 c. vegetable oil
2 c. all purpose flour
1/3 c. sugar
3 tsp. baking powder
1/2 tsp. salt
1 c. chocolate chips
Cream cheese as needed

Heat oven to 400 degrees. Grease bottoms only of about 12 medium muffin cups. Beat egg; stir in milk and oil. Stir in dry ingredients - chocolate chips last. Stir only until moistened. Fill muffin cups about 3/4 full. Put 1 tablespoon of cream cheese on each muffin; push into batter slightly as muffin dough will bake around it. Bake about 20 minutes. 12-18 muffins.