riskarb -
Good answer overall, but jesus, a clenbuterol cycle for someone who just wants to get rid of love handles? I wouldn't touch clenbuterol with a 10-foot pole, and that's not even considering the fact that the damn stuff is effectively illegal anyways.
original poster -
You've got love handles... your biggest problem at this point is recognizing that you require lifestyle changes, not a 3 week diet blitz. Eat clean, work out regularly.
Cardio in the morning on an empty stomach is a good idea, as is resistance training at night. You're going to need to lower calories (or else you're going to need to violate the laws of science / overtrain to lose weight). Just keep in mind what riskarb said, lower calories for a limited time, then return to "maintenance". Check any bodybuilding site, they'll have all the info you need.
Diet will be the #1 factor. Abs are made in the kitchen!