A lipoma is a soft lump made of fat cells and grows in the tissue beneath the skin. It appears mainly in adults between the ages of 40 to 60 on areas like the head, the neck, the shoulders, the arms and the thighs. They are usually benign tumors that don’t cause any pain unless they press against a nerve and their removal is not necessary for medical reasons. However if a lipoma bothers you for cosmetic or functional reasons it can be surgically removed.