zerona or smartlipo?

Not that i am doing this now because im jobless & broke but ive been looking at non & low evasive procedures to get rid of my stubborn baby pooch sometime in the distant future. Anyone know if zerona is effective in getting rid of fat & tightening skin? what about smartlipo? If you have had or know someone who has had the procedure please share your knowledge and/or experience. I eat healthy & exercise regularily, but I just cant seem to lose these few inches of baby pooch & skin. If you know of any other procedures as well that are good please share.