Thanks Kmad I think that answers my question. I didn't realize chopping a forest took the hammers away. SO i was building a cottage on a tile with 2 bread, 1 hammer, and forest. I ended up with 2 bread ,1 gold. A farm would have the same outcome? I would lose the hammer and add a bread? If there are 2 hammers you lose them both?
that's not exactly the way it works.
A forest gives +1 hammer on a tile, and removes the riverside commerce.
If you chop the forest, you lose this 1 hammer bonus, and if the tile is on a river you get the riverside commerce back.
If you then farm the tile, provided there is no special resource on it you get +1 food (before biology, +2 after).
If you then cottage the tile, you get +1 commerce immediately (and growing to +7 commerce for a full grown town, with the right civics and techs).
A tile with 2F and 2 hammers is rare.
It could exist on the fantasy realm (like a deer on a plains forest before building the improvement), but I assume you meant a 1 food 2 hammer tile.
This would be a plains forest.
If you chop the forest, you have a plains : 1F1H if not on a river.
If you then cottage it you have a plains cottage : 1F1H1C to start.
If instead of this you farm it, you have 2F1H. You need fresh water to farm it.
You should read the manual IMHO.
