I do cardio six days a week (treadmill or recumbent bike depending on my mood). I lift five days a week, alternating upper and lower body day-to-day. (so three upper body a week and two lower body) Observing your rest days is important and will actually aid in muscle growth and help you maintain a younger appearance.

I have body lotion for the neck down. I use separate face and eye creams, one set for daytime and one for night time.