Belly fat: you could try pilates. It has actually worked for me. It really works your core. And other parts of your body. Also fast walking, jogging, or running. Any cardiovascular work out. For pilates just get a dvd for home and do it in your own privacy. Its good for men and women:) hope I helped.
You can't target body fat. You have to reduce body fat as a whole. Lower your calorie intake under maintenance and work from there
Maybe exercise those areas more. Like lifting weights and running.