Melt butter/oil in round ceramic / glass ramekin
Add all ingredients to the ramekin, except baking powder, and stir with a fork
Add baking powder and stir in well
Stir, scraping sides, until clump free
Cook in microwave for 1 minute and 30 Seconds, or bake in oven at 400 F for 12-15 minutes, until middle is firm
Loosen edges by taking knife between muffin and ramekin
Cool, enough to handle, then remove from bowl and cut in half sideways
Toast in buttered/oiled frying pan, until lightly browned on each side (like a pancake), using spatula to press the tops of muffin down lightly