Looking good!
I think we might almost be at the same level abs wise (apart from my stretch marks and slight baby pouch of course)...I can see abs only when I stretch, etc...my body fat according to calipers is 19.7 and at the gym on those really silly machines it reads 15. something (nooooo ways!!!)...with regards the neck fat, you cannot spot reduce...is it a double chin, or your shoulders/trap region that is chubby? I'm not suggesting you are fat or chubby, I know you want to lose the fat though...reckon just weights will tone up the neck region and eventually show the muscles through...that is one of my strongest areas, my back and traps...if I were in America I would probably be nicknamed boy back...hahaha!