First of all congrats on loseing the 50lbs. I'm still working on it. My son just turned a year old and I'm finally on a great workout schd. I fell into a deep depression after his birth. I'm slowly seeing some results. I have found that doing localized exercises (ie:crunches) doesn't get rid of the tummy. During your work out and troughout the day keep your abs. in a contracted state. It is working for me. I try and walk 4 miles at least 4-5 times a week and as I walk I keep my abs tight, it's like doing crunches all day and helps you have good posture:) Now, about toning wobbly arms....I know a few exercises but I would like to hear your advice:) I hope the info helps.