Well, since nobody else took a stab at this one ...
No, I'm not a personal trainer. I did play two sports in college, and got plenty of fitess training courtesy of the Army, though ...
I would suggest that you get a good book on weight training for fitness. Not kidding here. Putting on some muscle mass will help you lose weight, as muscle needs to use some of the calories you take in just to sustain itself. You can add muscle fastest in the lower body, and if you put work in on that, you won't "bulk up" at all, you'll just get more and more toned.
My wife did this to get the "baby weight" off.
She started with a book called "Your Personal Trainer" by Douglas Brooks. She looks good, and did not end up looking like a body builder. She dropped about four sizes over a year, just by lifting weights, walking, and cutting back on soft drinks.
http://www.amazon.com/Your-Personal...=sr_1_1?ie=UTF8&s=books&qid=1250390194&sr=1-1
I'd suggest that, and a gym membership where:
- You pay by the month (without those long term contracts and fees)
- They offer qualified assistance
- You can join a regular fitness class to keep you motivated.
- If they have a pool, that's a bonus. Lap swimming and pool walking are good for conditioning too.
I've met some "personal trainers" and most of the ones I've met were just people trying to make a buck on their charisma and looks. The ones who are top-notch cost a lot and are generally training athletes.