A heart rate monitor measures the number of times your heart beats in one minute. It gives instantaneous measurments to tell you in real-time how many times your heart will beat in one minute (if it continues at the rate that it is beating at whatever time you decide to check the reading).The main purpose of these devices is to prevent overtraining. Why should you prevent overtraining? Because you will not progress as well with your fitness if you train too hard or too much. The heart rate monitor is a good way to gauge how hard you are training. It is a rough guide and should not be regarded as gospel. However, because it is relative, it will make a useful tool, regardless of its exactness.
I would suggest, firstly, that if you get such a monitor you purchase a decent model to ensure it gives repeatable readings (which are moderately reliable). There are various algorithms available relating to actual heart rate readings which I will not cover in this particular article because they are so commonly available on the internet. However, the general indications are that you should hope for a reading of 40-60 beats per minute (bpm) at rest if you are fit and healthy and you should aim to go to about 160 beats per minute to be in the high intensity training zone.
With regard to training goals there are specifics which athletes and other people who exercise must be aware of, in relation to their goals. These relate to steady-paced training (or even racing) and to interval training.
If you are a distance runner and you want to use a heart rate monitor during an actual race performance the aim should be to maintain your pre-planned racing heart rate through the first three quarters of the race, to ensure you are pacing yourself correctly. This racing heart rate, for longer races, should be about 75-85% of your maximum heart rate. As you enter the last quarter of a race I would suggest you then go with how you feel, rather than pre-planned heart rates. If you feel really good, push harder - but ensure you don't go too far into the intense training zone or you may overdo it and burn out. It is at this last quarter stage of a race that you can start racing other athletes. Before this, you are racing against yourself. From time to time in a race you will exceed the target heart rate. Don't panic, as long as you don't exceed it by much and as long as you don't stay at the excessive heart rate for very long.
If your fitness is flagging your heart rate will start to increase. That is an indication that you are pushing too hard and you will need to slow down until the target heart rate is resumed - or risk burning out.
For training purposes you should aim to train at specific heart rates, planned in relation to your goals. If you are performing intervals, use a pre-determined maximum heart rate for the intervals - and a pre-determined recovery rate (to tell you when to commence the next interval). Keep going between those two rates until you find that you are forced to slow down the pace meaningfully in order to maintain the correct maximum heart rate. At that stage it will be time to start warming down and finishing off the workout.
Heart rate monitors are good for both interval training and steady paced training and are a scientific way of keeping track of your true training intensity and are great for avoiding overtraining. The key skill is to understand the heart rate zones which are suitable for your goals.
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