Using a Heart Rate Monitor
By Wini Linguvic
If you  want to get more exact with your precision cardio, you can use a heart  rate monitor in addition to evaluating your rate of perceived exertion.  The heart rate monitor will tell you exactly what your heart rate is as  you're exercising, which means you can then increase or decrease your  intensity to get a precise workout. Monitors are available at sporting  goods stores and some department stores.
 First, you'll need to  figure out the heart rate range that you should be working at. The best  way to do this is to get tested by an exercise physiologist. If you  don't want to do that, you can get a pretty good estimate by calculating  your maximum heart rate and then calculating certain percentages of  this rate to work at for your warm up and cool down, your moderate pace,  and your interval pace. This will be a good starting point, though keep  in mind that this calculation is based on the "average" person -  something that none of us is!
To estimate your maximum heart rate, subtract your age from 226. (Men would subtract their age from 220).
226 - your age = age-adjusted maximum heart rate.
Now, take your age-adjusted maximum heart rate and calculate the following percentages for the various parts of your workout.
- 60 percent for your warmup and cooldown
- 65 to 75 percent for your moderate pace
- 75 to 85 percent for your vigorous or interval pace
For instance, a 40-year-old woman's estimated maximum heart rate is 186 (226 - 40 = 186).
- 60 percent of her max = 112
- 65 percent of her max = 121
- 75 percent of her max = 140 
 85 percent of her max = 158
Keep  in mind, however, that this calculation can be off by as much as 15  beats, so use the rate of perceived exertion as well. Also take into  account that your heart rate can vary depending on which activity you  choose. Different activities use different skills and muscle groups, so  an experienced swimmer will have a lower heart rate swimming than she  does when running. Keep that in mind as you vary your cardio choices.  Also, some exercises that you do while sitting down, like riding a  recumbent bicycle, won't get your heart rate as high as those that you  do while standing, such as walking hills outside. So use your heart rate  monitor and evaluate your rate of perceived exertion, but also learn to  listen to your body.
Reprinted from: Lean, Long & Strong: The  6-Week Strength-Training, Fat-Burning Program for Women By Wini  Linguvic © 2005 Wini Linguvic. (January 2005, $17.95US/$25.95CAN;  1-57954-956-X) Permission granted by Rodale, Inc., Emmaus, PA 18098.  Available wherever books are sold or directly from the publisher by  calling (800) 848-4735 or visit their website at www.rodalestore.com
About the Author:
Wini  Linguvic is one of New York City's most sought-after personal trainers  and fitness consultants. A certified fitness instructor and trainer for  more than two decades, she is coauthor of the New York Times  best-selling book BodyChange, which she wrote with longtime client and  friend Montel Williams.
For more information, please visit the author's Web site at www.leanlongandstrong.com.
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