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2. Fat-burning Workout: Pump Up the Cardio

A good overall cardiovascular conditioning exercise program is crucial to burn fat, say Sedlock and White. "Walking is excellent," White says, but most people have to pump it up a bit from their routine pace, especially if they've been exercising for a while and the flab isn't budging.

"Increase the days," White suggests. "If you work out two days, go to three. Or if you're jogging for half an hour, increase it to 45 minutes or an hour."

Interval training -- that is, alternating bursts of intense activity with bursts of lighter activity -- is a good way to burn more fat, White says. "Walk for five minutes, then jog for five," he says, then repeat. That strategy will burn overall more calories and more fat. If you are already jogging, jog then sprint to mix it up, he says.

Increasing intensity for a short period within your regular workout will burn more total calories and therefore more fat, Sedlock says.

3. Fat-burning Workout: Pump Iron or Do Other Strength Training

If you're trying to banish flab, weight training three times a week for a half hour each session -- if you're a beginner -- is ideal, White says. Once your flab is under control, two weight training sessions a week usually will help you maintain tone, he says.

"Work the full body," he says, rather than focus only on, say, triceps work for flabby upper arms. A full workout works all the major muscle groups, not just the flabby ones.

If you're a beginner to weights or other kinds of strength training, such as resistance bands, get some expert instruction first by hiring a personal trainer for a session or two, experts suggest.

You can incorporate the full-body weight training exercises that focus on your flabby areas, of course, White says. "For the muffin top, focus on the [abdominal] oblique muscles by doing bicycle kicks," he says, "or do oblique twists with the cable [weight] machine."

A simpler at-home exercise to burn fat, White says, is: Get a broom, hold it straight up over your head, then lean to the right and the left. You should feel the effort in your so-called love handles.

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