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Brown hamburger with chopped onion and garlic, drain and set aside.
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Saute chopped vegetables in a little olive oil (1 TBSP) and a small pat of butter (1 TBSP.).
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Add kidney beans, corn, tomatoes, tomato sauce, meat mixture and vegetables to a large stock pot and bring to a boil.
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Add spices and chocolate chips and let simmer for 20-30 minutes.
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Depending on how thick or thin you like your chili, you may want to add a little water to thin it out.
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The reason for using semi-sweet chocolate chips is two fold. The semi-sweet chocolate lends a kind of smokey flavor to the chili. The milk chocolate tends to curdle and doesn't taste as good as the other. I've tried both and semi-sweet makes a world of difference.