It's mostly genetics...like the triathlete below was saying...not much one can do about it..my arms look so meaty, despite the fact I hardly do upper body strength training. If I actually do weight lifting on my arms, they fatten up even more! It's my genes.
My sister in law, who doesn't exercise nor is healthy, has the most beautiful, skinny arms that makes anyone green with envy! I feel like a beached whale next to her, but I know it's all genetics. Like the others say, I just focus on the fact I am healthier than those skinny-ninnies and have never felt more better about myself as a whole, until now. :-) I avoid wearing tops that don't flatter my arms, that's all. (like spagetti straps)
It's easy to say you're too tired, too stressed, too busy, too this or too that. Too bad. The only way you'll strip away the fat is to start by stripping away the excuses.