This was a big problem for me. The good news is, winning the fat loss game is the best that you can do ... doing more work on that area will not help.
the muscles under there are called the "external obliques"
http://www.google.ca/search?hl=en&q=+%22external+obliques%22&btnG=Search&meta=&aq=f&oq=Spot reduction does not work to burn fat above a muscle. Does. Not. Work.
Ever see a Tour de France competitor? They use their legs 1,000 times more than their arms, but their arms look as fat-free as their legs.
Spot reduction does not work. Does. Not. Work.
Ever read the idea that women should work their chest muscles to make the breasts look bigger ?
Same thing applies here. If you exercise those external obliques they'll get BIGGER. They will push out the fat more. I did this in my teenage years. Lots of side bends with dumbbells. They made my love handles look bigger.
Under the external obliques are the internal obliques. If you exercise those, they'll get BIGGER.
under those are the Transversus abdominis - If you exercise those, they'll get BIGGER.
http://www.google.ca/search?hl=en&q=%22transversus+abdominis%22&btnG=Search&meta=&aq=f&oq=Simply losing the fat is the best that you can do. In fact, putting less work on those muscles (doing less abdominal exercise) may shrink them a bit, which is probably what you want.
What might help is if you do pushups and chinups to make your chest bigger and make the handles look smaller in comparison
Also, squats may help - bigger glutes may help the handles look less big
The other suggestion about hula hoops could work for you ... I can imagine that would work out a lot of the muscles that attach below the hip joints - quads, hamstrings, glutes, hip adductors and abductors.
The main thing about the hula from my perspective - it could use a lot of muscle, it moves your whole body, and you might be able to do it in such a way that it won't make the wrong muscles grow.
A little information I just came across
http://www.bodyrecomposition.com/fat-loss/the-energy-balance-equation.html>>>>
That is, the hour someone might spend engaged in exercise is still pretty small compared to what’s happening the other 23 hours of the day. And, as many have found out by using tools such as the Bodybugg/GoWear Fit, small changes during the majority of the day (e.g. getting up every so often during the day to walk around at work for 8 hours) end up having a far larger impact on daily energy expenditure compared to the hour of exercise they might do. As many have also found, being very inactive for those same 8 hours (e.g. jockeying a computer desk) doesn’t burn many more calories than laying in bed.
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