I'm 61, lost a lot of weight, and have the same problem. I've found my worst enemy is a turtleneck, and my best pals are V-necks. A scarf, if it's colorful and interestingly and loosely tied, can be very flattering, as are longer - but not excessively long - necklaces. My hair is short, and by wearing interesting earrings, I can also divert the eye from that excess skin. As Leslie's often said, crew necks are really bad news...so I avoid 'em like the plague. I guess by leading the eye right to my face, ears, or collarbone level, I steer attention away from that problem area.