Any older bandsters can answer a question , any ideas or work out plans to get rid of love handles and a little sagging belly skin?

Truly, I think its headwork, not bodywork. We all have those spots on our bodies, and with little pockets of fat, the ONLY solution to them is to lose fat overall. You cant spot reduce, so that means less calories, a lot of cardio and some strength training to increase your overall metabolism. That's the only workout plan you need.

However, even then your body will lose from where it chooses. I got down to a BMI of 22, felt and looked great, but still had a muffin top and some flubber. I just came to accept it, as I held that weight for 3 years and I could see that my upper body was very thin already, so its just my pear shaped body type. Other health issues have seen me shrink to a BMI of 19 and yep, the muffin top's gone, but I also look like a concentration camp victim (I'm not kidding) above the waist. So do be realistic in your goals.

I don't believe that creams or excersise reduce excess skin. Once that skin looses it's elactisity it's gone. Surgery is the only answer imho. I just had a tummy tuck and bood job- I am thrilled with the results.