Hmm I can't find that website right now (it has jpg mini tutorials to build very nice topology for chest/shoulder/elbows/etc). I'm sure someone here has it though. Also this. I call this 2.5 loops. [2 loops inside, 3 loops on the outside]
The last example (most right) from PyrZern is what you have, and what you want to avoid, because it collapses the model's volume. As the picture says, you want to at least have two loops in and out like the middle example.