@hoppyj01, also push the ruler into your Pubis (Pubic Bone), the reason for this is to get a fixed starting point for your messurment. Fat is compressible, and the Pubis are not, so you need to press the ruler hard into your "fat-pad" in order to nullify it.
This is called, Bone Pressed Values (BPEL and BPFSL), these are the values you should messure.