Yes, the daylights and actinics will both be on at the same time (without the actinics, the daylight bulbs will often be very yellow in appearance). Lighting schedule is really a personal preference. Mine is as follows:
Actinics on: 10:30am
Daylights on: 11:00am
Daylights off: 10:30pm
Actinics off: 11:00pm
Moonlights have no real affect/benefit for the inhabitants, I don't think. It's just for aesthetics. So, when you turn them on/off is entirely up to you.
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~Drew
10G Nano * 10G Sump * Deltec MCE 600 Skimmer * JBL Viper 150w MH * Zeovit * Vortech MP40W
Millions long for immortality who do not know what to do with themselves on a rainy Sunday afternoon. ~S. Ertz

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