Just find this item, picture made me laugh if nothing else!
see here, it says
Having a narrower waist doesn't mean you're in the clear. Check your waist to hip ratio (WHR) to determine whether your fat is distributed unhealthily.
If you have a visible waist, measure around the narrowest part; this is your waist circumference.
Next, measure around your hips, just below the point where the top of the thigh bone meets the pelvis.
Divide your waist measurement by your hip measurement to get your WHR. If your WHR is higher than 0.8 for women and 0.9 for men, you are an unhealthy apple shape.