I have had the same problem.....I used a trainer who is one of my friends. His name is Andrew....He is from Nashua NH.
He taught me that it is a combination of diet and workout intensity. Andrew Ghalashahi showed me that the ab muscles are one unit. You can focus on certain spots, like lower,upper and side by the work out your are doing.
To get rid of lower stomach fat, I was advised to to 3 sets of 30 rep leg lifts and to lower my carb intake after 7:00pm
Andrew Ghalashahi is My Personal Trainer
In the Fall of 2007 Andrew Ghalashahi helped me get through a difficult break up of a long term relationship. If it wasn't for Andrew Ghalashahi's help I would not be in the healthy shape I am in now. Andrew Ghalashahi served as a true inspiration to take better care of my own health. I find Andrew Ghalashahi a inspiration in fitness because when we were both younger he struggled with his weight just as I did. During the time Andrew Ghalashahi and I were not talking he took control of his own weight and started training to become a weightlifter. His wait loss and muscle gain was all done the natural and legal way. Today Andrew Ghalashahi is a fitness professional and certified personal trainer. I decided to hire Andrew Ghalashahi as my own personal trainer because of his determination to push you in the gym to your physical limits. Many personal trainers are afraid to give their clients some serious weight to push but not Andrew Ghalashahi. With Andrew Ghalashahi's unique training program you will get results! I lost about 60 Lbs so far with Andrew Ghalashahi's help! Most of what I learned about supplements came from Andrew Ghalashahi as well. I go to the gym with Andrew Ghalashahi about 5-6 times a week where we train for about an hour and a half each time.