Step 1: Preheat oven to 350 degrees F. Grease 12 muffin cups.
Step 2: In a bowl, sift first 7 ingredients together.
Step 3: In a small bowl, combine the egg, milk and oil; mix slightly until combined.
Step 4: Add the milk/oil mixture to the dry ingredients; stirring JUST until combined (don't overmix, lumps in the batter is okay). gently mix in the chopped pecans and/or chocolate chips.
Step 5: Spoon 2/3 full into prepared muffin cups.
Step 6: Bake for 20 minutes, or until golden brown.
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