It does help for weight loss as long as you go for longer than thirty minutes. Thats when you get into the fat burning zone. Also, a good tip with cardio is to perform your workout after you wake up, before you eat. It helps your body burn the fat off instead of the food consumed that day.
I believe that cardiovascular weight lifting and dieting is the best way to burn fat. This is when you lift weights to grow muscle, while only allowing short rest periods of 30 seconds to a minute. Cardio will only burn calories for the time you are running, cardiovascular weight lifting burns calories while exercising and burns calories for all the time your muscles have to recoup, effectively all the time. Yes, girls should do it. No, you will not become a scary looking female. Personally, girls that lift are way more attractive than girls that don't.
If you want to be really hardcore, do both! Give yourself a day of rest a week(no matter what, still rest), don't do any exercise, cardio when you wake up and weights in the afternoon. Use proper form and try to have fun.
If I don't have my music, I had lifting. Listen to music, audio books, watch youtube while running, anything. After a while, you will be addicted and love it (gym).
DO NOT STOP EATING. You burn off your muscle and store additional fat. Seriously, don't be stupid.