Everything bagel, or variety of your choice
Neufchatel cheese (half the fat of cream cheese)
Good smoked ham, sliced medium
Juicy, red, ripe tomato, sliced thick
Pepper and garlic salt
I prefer these bagels untoasted. Smear a little cheese (not too much) on each side of your cut bagel. Fold on a slice or two of ham on each half, then a whole juicy slice of tomato. Sprinkle judiciously with fresh cracked pepper and garlic salt. Try not to gobble it down before you get to the table.