As for the terms Ectomorph, Endomorph and Mesomorph I agree with Duality and Tim. Yes, they are used too distinctly but they do describe the "body type" that individuals are pre-disposed to. However, this is also due to diet and training along with your genetic make up. I think it should be a way for an individual to help them outline their diet and training based off their genetic body type described by those terms.
The Don, to your question.. everyone gave great advice. No matter how many crunches you do they will not get rid of love handles. Any studies that supported site lipolysis were so minuscule that it doesn't have any noticeable effect. The correct diet and amount of cardio will help you get rid of those love handles. However, that area is usually difficult to lose. It is usually the last thing to go for even competitive bodybuilders at the end of their diet. You may never fully lose them if you have them naturally no matter what you do. But you can do your best and get them to "lean up" as much as possible. There are several types of diets you can try so I suggest you do your research or PM The_KM and I am sure he can give you an excellent regimen.