Cut the bagel in half.
Lightly toast the cut sides of the bagel in a pan or toaster.
Wash and thinly slice vegetables such as lettuce, tomato, and cucumber.
Prepare sliced cheese and ham or bacon.
Spread cream cheese or mayonnaise on one side of the bagel.
Layer vegetables, cheese, and ham (or bacon) in order.
Cover with the top half of the bagel.