In a medium saucepan combine the heavy cream and sweetened condensed milk. Over medium heat stir until cream and milk are hot but not boiling.
Add the chocolate chips and unsweetened chocolate and remove from heat. Let the pan sit for about 10 minutes to allow the chocolate to melt.
Stir or whisk melted chocolate until creamy.
Add chocolate to a piping bag or plastic storage bag and snip off the end. Pipe into silicone molds or ice cube trays.
Add the popsicle stick or lollipop stick to the center of each square.
Add desired topping to each pressing topping down gently into chocolate.
Refrigerate until solid at least 3 hours or overnight.
Hot Chocolate InstructionsTo make hot chocolate, heat a mug of milk (water does not work well in this instance) and add a chocolate block. Allow it to sit and soften for a minute, then vigorously stir until it is dissolved