[Dennis Kalma]

It has been a puzzle for me, there is a test you can do (requires some sort of monitoring equipment) to find out. My trainer wants me to do the test as I have a resting rate of 45 and have no trouble sustaining 155 bpm on workouts....and I am definitely no Lance Armstrong...I am 51 years old, not super trim. No family history of heart disease anywhere, no risk factors other than extraordinarily high cholesterol....

I tend to stick with rates in the 150 range, 220 less my age x .9 or so. Eric the Evil (my trainer) seems to think that my rate might be that high...he finds some people have max fat burn at very low rates and some at high rates. Averages are in the range mentioned above.....65% for max fat burn, 80% for max aerobic benefit.

The aerobic part works by building more muscle mass (assuming you do some strength training in there as well), which in turn burns more calories all the time....natural weight reduction.....

Oh yeah, I have the highest cholesterol levels on the planet, terrible reactions to statins and any anti-cholesterol medication, medical profession keeps telling me I will croak soon, I think they are full of it for my case....

Dennis