Today, I made the most wonderful hot chocolate! Not a quick and dirty method, but certainly worth the effort. (Also a decent excuse to post pretty pictures...)
You will need:
1/2 cup of semi-sweet or dark chocolate chips.
2-1/2 cups of milk (not skim)
Chop the chocolate so its relatively fine.
Warm the milk in a saucepan. Once warm, add the chocolate bits.
Stir. Keep stirring until its hot and nothing more will dissolve. Chocolate forms an emulsion in the milk - mine always had tiny bits of chocolate left over. Possible solutions include a using a whisk (I used a fork) or using high fat milk (I used 1%).
Serve. (I put a dollup of foamed milk and some chocolate shavings on top)