What are the base guidlines when you specialize a city?
1. The Farm. --

food and more food. Ideally (2) or more bonus

resources within the fat cross and/or lots of floodplains/oasis or at the very minimum lots of grassland tiles. One or two hills for

but
think ahead - if you have forests then use them as free hammers instead of building mines on the hills. Don't develop the hills at all and don't chop the forests until you can build Windmills. In a good Farm every tile will be producing food, with most tiles producing 3 or more. The city should be capable of 50+ food per turn when all tiles are worked.
2. The Bank. --

and lots of it. Since the commerce buildings also tend to be hammer heavy you'll need a higher production tile to commerce tile ratio in this city - but no more than 40 food per turn max. Everything else needs to be set aside for

and two or three hammer tiles. Build lots of cottages here and build them
early.
3. The Factory. --

baby. Lots of 'em. You need a maximum of 40 food / turn in this city, so only build enough farms so that when the city reaches size 20 it's generating 40 food/turn. Everything else is

. Do
not chop your forests unless they're on hills - those you can freely chop to make room for mines. Save the forests as free production and wait for Lumbermills (and later railroads, which add +1

to a Lumbermill just like they do Mines) Plains tiles with a river should get a Watermill instead of a Workshop. Only put Workshops on grassland and plains tiles that don't already have a river or a forest. This city needs to stay
away from the ocean. Coastal tiles are worthless for production - they're only use to the Factory is food. If you must build on the coast limit the number of coastal tiles in the fat cross to the bare minimum (which would be 2 btw)
4. Everything else. -- Well, these are the classic hybrid cities that are secondary production and commerce oriented. You can continue to play these cities just like you do now developing in an ad-hoc manner. Remember that for these, just like with the Factory and the Bank, you only need 40 food per turn to grow to max size - so only build enough Farms so that when all tiles are worked you're making 40 food / turn.
* Breaking the 40
/ turn barrier -- A city at size 20 works all of the tiles in the fat cross. If when working all those tiles the city is generating 40

every turn then it's "perfect" and shouldn't really build further food resources... but like all things CIV this too should be tossed out the window based upon circumstances. More than 40/turn allows you to have specialists go to work in that city. It allows you to whip like crazy without sacrificing worked tiles etc - so altho I point out above that you don't need to develop any tiles for food once the 40/turn target can be reached there are still lots of good reasons to do it if doing so gives you other benefits.
The main tips are:
Plan Ahead.
* If you have forests and aren't really pressed into chopping out a wonder or something like that then save those forests as free, un-pillagable

and develop them with Lumbermills (and Railroad) later.
* If you have forests on a hill you don't
need to build a mine there right away - and might want to drop a Windmill or even a Lumbermill there instead later on down the road.
* Toss all of these "rules" and tips into the bit bucket whenever you think you need to and have fun.
