I know it takes at minimum 25 to 30 min of cardio a day to get anywhere. However what are the best toning / fat loss exercises for the stomach upper and lower, thighs and underarms? These are my problem areas… I can not seem to find an answer to my question. Every link wants me to buy a book, video or drug. Any one have any advice on these three areas??? That wont cost me $$$$$$$$$$

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