I agree about the cardio. I get my best results from just walking on a treadmill (or eliptical trainer), at a very moderate pace for a longer period of time (45 min) 3-4x per week. Also, I used a heart rate monitor to stay in the aerobic zone.
Also, I have always got great results from the old standby "caffeine, ephedrine, and aspirin" stack. I never tried any of the over the counter "fat burners", so I can't speak about that.