Having stubborn love handles is a leading indicator you have high estrogen levels opposed to mid section fat, which means your cortisol levels are high. The boys already gave you good advice about diet and cardio. I don't know if you are on the sauce or not, but some kind of anti-e would help. If I'm not mistaken Needto has some kind of natural anti-e..
Bump for Needto's anti-e sups.