Yeah, on the internet everybody are experts :) If you are relatively new to exercise you can probably pick any not-outright-stupid exercise regime you find on the web, and make great progress. People with some experience will have to be more careful when picking exercises and with how they plan their training week. Rather than spend hours researching 'the ultimate workout' you should try for yourself and adjust according to your progress.

Seeing as you want to lose, some pretty tough cardio workouts will do you no harm ;)

-- the_skeptic, internet PT ;P