Sunscreen:

It's a must, essential for preventing sun damage and lowering your risk of developing skin cancer. Many skin care lines have facial moisturizers with SPF already included; they offer a more luxurious, makeup-friendly texture than traditional sunscreens. If you use only one product, sunscreen should be it. A lotion like Neutrogena's Healthy Skin Lotion with SPF 15 moisturizes, protects with SPF, and smoothes skin with alpha-hydroxy acids (AHAs) and vitamin C -- practically the perfect all-purpose face lotion.

Eye cream:The skin under

your eyes is more delicate and dry than the skin on the rest of your face. It's wise to invest in an eye cream, which treats the eye area with more emollient moisturizers. Some eye creams even claim to minimize dark circles and temporarily tighten fine lines. Retinols:If you're concerned with wrinkles and pigmentation spots, a face cream with retinol (a derivative of vitamin A) can help. Use it in place of your daytime, SPF moisturizer after you wash your face at night.

Body lotion with alpha-hydroxy acids:

A lotion with skin-sloughing AHAs smoothes your whole body, including hands, feet, arms, and legs. For tough dry spots, apply extra lotion before bed and let it soak in while you sleep.