The big name in heartrate monitors seems to be Polar.
I bought a well reviewed and cheap "Omron" unit, the HR-100C (for $33), made in China, and it served me well. It displays heart rate or time, and I don't need the time feature. Fancier units have extra frilly features. For example they can be programmed with your MHR and a desired zone and nag you if you don't stay in the zone.
The Omron is the sort where you wear a chest band and also a wrist mounted receiver. Later I got a Fitbit, which you simply wear on your wrist. Since then I have never used the Omron, and don't even know where it is! An Omron or Polar is almost certainly more accurate, but for my purposes, the convenience of the Fitbit wins big time.
It is well documented that there is significant variation in maximum heartrate, even among individuals of closely similar age and conditioning. For example among an olympic rowing team of men in their 20's a range from 160-220 was observed.
What I intend to do is get out at some serious levels of exertion, monitor what my heart rate is, and keep some records. I am told it can be dangerous to push to your maximum heart rate. Apparently it is a way to find out whether you have heart problems the hard way. I have pushed myself to my highest levels hiking steep uphill trails at a sustained pace, not by running.
The following is suggested as a way to determine your maximum heart rate. Note that this can be risky if you are overweight and/or out of shape. Don't blame me if you do this and die of a heart attack. First warm up. Then run for three minutes as fast as you can. Then just "jog" for two minutes. Then run again for three minutes as fast as you can. (Do this on a track or some controlled environment, perhaps with others around to summon the medic). Your maximum heart rate is the maximum rate during the second three minute run.
Back at it again 1-6-2012 on a bike ride. Before the ride my rate was fluctuating between 60 and 71 (so call it 65) - this fluctuation seems to be some quantization anomaly of my heart rate monitor. During the ride my heart rate was 135-155, and probably spiked as high as 160. Now, lets say that at 155 I was at my anaerobic threshold, then my maximum heart rate is about 194. The formulas say 161 or 170. I am not sure what to think yet.
At it again 12-21-2012. On a 1 hour bike ride, I was cruising along, breathing deeply and steadily with my heart rate in the 120-130 range. With some effort climbing a hill, it rose to 135 or so. Also after an easy 1.5 mile run, my heart rate was up to 135-140.
Let's say that my maximum heart rate is 175. Then my 65-75 percent target zone would be 113 - 131. This fits pretty well with my recent bike ride, but my runs put me up at 135-140, which is a bit too fast.
A "normal" resting heart rate is in the range 60-80. Note that some elite athletes have much lower resting heart rates (Lance Armstrong is said to have a resting heart rate of 32).
There are a multitude of systems to categorize workout intensity,
and they tend to define either 5 or 6 zones. Most systems seem to
agree that 80 percent of your max heart rate is the anaerobic threshold.
Here are some target heart rate zones:
Here is another system, based of "PE" (perceived exertion). This is very handy and worth correlating with what your heart monitor is telling you.
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