1. Split and toast two bagels, plain or whatever flavour is preferred (cinnamon or raisin are good options). Allow to cool until easily held.
2. Shmear cut sides with cream cheese to achieve preferred consistency (I like a lot of cream cheese on my bagel, my sweetheart prefers a thin spread). Top with thin slices of apple (I usually go with Golden Delicious, you'll want an "eating apple", not a baking apple, that's juicy). Sprinkle with brown sugar and cinnamon.
Robyn's notes: that's all there is to it! The cinnamon won't impart a lot of actual taste, but every time you bring the bagel to your mouth you'll smell the cinnamon, and that makes for an entirely different experience than if you leave it out. The juicy apple with the thick bagel bread is a winner in my mind. I'm not allowed to eat the peel, so I have to peel my apples, but since that's where a lot of the nutrition is, I recommend leaving it on if you can.
*** 3 Stars: Good. At least one of us liked this enough for me to make it again, but not often