I believe the most accurate way to determine Max HR is the Karvonen method. This is the method I always used as a personal trainer. Trying to determine it by actually pushing to the point of failure is not advisable, even for the most advanced athlete. That's like drinking hard to see when alcohol poisoning kicks in. Wait, I think a few of us have done that too....;-)

---lifted from http://www.sportfit.com/sportfitglossary/energetics_aerobic_krvnn.html---

This method of calculating your target training zone is based on your maximal heartrate and resting pulse.
The correlation here is more directly linear: 60% to 80% of your Heart Rate Reserve, HRR, equals 60% to 80% of your functional capacity.

To determine your target training zone with HRR, do this:

Take your resting pulse three mornings in a row, just after waking up. Add all of them together, and divide by 3, to get the average.

Let's say your average is 60 beats per minute.

(220) - (your age) = MaxHR

(MaxHR) - (resting heart rate) = HRR

(HRR) x (60% to 80%) = training range %

(training range %) + (resting heart rate) = (your target training zone)

so,

220 - 35 = 185 (MaxHR)

185 - 60 = 125 (HRR)

125 x .6 = 75 (60% training percentage)

125 x .8 = 100 (80% training percentage)

75 + 60 = 135 (target training zone, in beats per minute)
100 + 60 = 160 (target training zone, in beats per minute)

So, your target training zone, in beats per minute is 135 to 160. Of course, to get a 15 second target simply divide each number by 4. That would be 34 to 40 beats over 15 seconds. When counting beats, start with the first beat as zero: ie. 0-1-2-3-4...38-39-40.
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