Beads says 'I imagine there are quite a few 49 year olds out there who would be looking at you thinking I wish I had a size 10 figure' Well I am 38 and I wish I was a size 10!
You can't have a fat stomach, it is probably a bit bigger and/or wobblier than other parts of your body but at size 10 it can hardly be massive, can it!
You sound like you have a good figure but don't like your stomach, we all have bits of our bodies that we don't like. Buy a nice top that will help disguise the bits you don't like and watch that programme on the TV, 'How to Look Good Naked'.
Some of the women on there have less than perfect bodies and end up loving themselves so much they can strut up and down a catwalk in their underwear (with no plastic surgery or liposuction). It wil make you feel loads better if you realise that nobody is perfect, you just have to learn to love what you've got!