Actually, if you use the chart I provided a link for, you'll need to work higher than 60-65%. That level might be OK for a month or so as you get into things but you really need to get to at least 80-85% to get any real benefits. The lower your heart rate, the longer you need to work out. 60-65% would mean you'd need to go for an hour or so at a pretty decent walking pace. Out of shape and a jog would get you over 80% almost imediately.
Study and understand that chart, because you need to really understand what any percent is a percentage of. We can all talk percantages but I clearly know what 85% is for me. You need to determine that number for you. For example, if you use the new thinking, take 180 minus your age and that is about 80% of your max. However, that number is higher if you are in shape and work out a lot and can be lower if you don't do either.
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