I am 32 years old and need to loose about 50lbs and I have found a gazillion different sites for calculating my Target Heart Rate. I’m really looking for some consensus here. Note: I just got a heart rate monitor for Xmas. Thanks Yahoo Family for any insite!
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The easiest way is the "220 rule"
Take your age and subtract it from 220..which is 188
Now, your TARGET rate should be around 75% of 188 MAX, which is 140 or so.
This just means that your maximum heart rate should be no more than 140.
There are a bunch of other ways to figure this out, but this is the easiest.