Q: i'm a 25 yr old female, and want to know how to lose the love handles and belly fat

A: Same way as you lose fat anywhere else on your body -- through a fat-burning diet and heavy whole-body weight training and some cardio. It's impossible to target JUST your love handles and belly fat but by losing fat overall you'll lose on in those places too. Please read my fat-loss article carefully and follow its directions. Good luck!