Combine baking mix, sugar, and cocoa in a large bowl. Make a well in center of mixture. Combine half-and-half and next 4 ingredients; add to dry ingredients, stirring just until dry ingredients are moistened. Stir in chocolate morsels and almonds. Spoon into greased muffin pans, filling two-thirds full. Bake at 400° for 11 to 12 minutes or until a wooden pick inserted into center comes out clean. Remove from pans immediately.