Hi, I had gone through your question and understand your concerns. I can understand that you are very anxious about your health. No masturbation will not help reduce belly fat , neither will yoghurt placement. Actually when you start losing weight , you will be able to get rid off the love handles . But for that you will need to follow as I will advise. Actually there is no magic plan to achieve weight reduction , but I can certainly help you out. Try to maintain a balanced diet with cereals , proteins ,vegetables . Even a little oil and fat is also required. Try to eat around 4-5 fruits a day. Keep away from fried food , soft drinks . Have small meals at regular intervals.Drink loads of water. That s all about the diet. It would be great if you could add to that a bit of physical exercise and cardio workouts like walking and jogging. Walk for at least 40 minutes a day Stick to this plan for at least 6 months. Hope this answers your question. If you have additional questions or follow up questions then please do not hesitate in writing to us. I will be happy to answer your questions. Wishing you good health.