Fatty tissue which is stored around the stomach and abdomen (sometimes called intra-abdominal, or visceral fat) carries a greater health risk than fat located in the lower body around the butt and thighs. Where we store fat (surplus calories) is largely a combination of gender, age and genetic inheritance. Men tend to store fat around their middle (apple shape), whereas women typically store fat around the pelvic region, hips, butt and thighs (pear shape). Besides the biological nature of men, modern lifestyle also has a huge impact on belly fat; as work, stress, entertaining clients and lack of exercise contribute to the accumulation of stomach fat.