First of all, try to google and research your query. But IMHO, belly fat is the hardest part to reduce. One drastic procedure is liposuction or tummy tuck, which would be costly I think. Exercise? Maybe it works for some which would probably be genetic, otherwise we won't be seeing fat tummies if indeed exercise works for everyone. Logical, right?

Watch that fat in your tummy. Not a matter of cosmetics, but our health gets affected with the size of our waistlines. :)