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How Fast Should Your Heart Beat, Really?

We often hear about aerobic exercise to improve heart health, but how hard do you have to work to reap the benefits?

Before I answer that, it’s important to know a little bit about heart rate, which is one reliable way to determine exercise intensity. Expressed in beats per minute, your heart rate reflects your body’s ability to provide oxygenated blood to your tissues. Your muscles need a lot more oxygen when you’re exercising; otherwise, they wouldn’t be able to continue to contract. The more intense your workout, the higher your heart rate.

Many products — such as chest straps (like Polar’s heart rate monitors) and wristbands (think FitBits) — monitor heart rate. But the only equipment you really need to measure it is a standard watch with a second hand. Once you have that, you’re ready to get started assessing your heart health. Here’s how:

Resting Heart Rate

You can determine your resting heart rate by placing your fingers in the groove of your neck or on the outside of your wrist and counting the pulsations you feel for 15 seconds. Then, multiply that number by four. To get an accurate reading, it’s important to wait at least an hour after exercising and to sit comfortably.

Most likely, your heart rate will be between 60 and 100 beats per minute, but it may fall outside of those values based on your medications, diseases and fitness level. The more fit you are, the lower your resting heart rate will be, since strong hearts can pump more blood with each beat. Some Olympic athletes have a resting heart rate as low as 40 beats per minute.

That said, a resting heart rate below 50 beats per minute or greater than 100 beats per minute could signal a medical condition such an eating disorder or a heart arrhythmia, so see your doctor if your rate seems extreme.

Maximum Heart Rate

Maximum heart rate, or HRmax, is how fast your heart beats when you’re expending all of your effort. You shouldn’t be able to maintain exercise at this intensity. To truly measure HRmax, trained professionals use sensitive physiological equipment, which is costly and time-consuming. However, you can use a simple formula to estimate your HRmax — all you need to know is your age. Simply subtract that number from 220. So, a 30-year-old woman would have an estimated HRmax of 190 beats per minute.

Target Heart Rate

Since exercising at HRmax isn’t sustainable, determining a target heart rate (or THR) is a great way to modify a workout’s intensity. The American College of Sports Medicine recommends setting a THR range; for healthy adults, that’s 50 to 85 percent of HRmax. People with conditions that might impact their ability to exercise — such as asthma or pregnancy — can alter their range and tailor their workouts to fall within it.

To determine your THR, you simply use either the standard age-based equation or the Karvonen formula, which also takes resting heart rate — an index of a person’s fitness — into account. Both formulas can be found here.

No matter which method you use, measuring heart rate is a reliable way to monitor your response to exercise. By tracking your resting heart rate over time, you can also monitor your progress since this value should drop as your heart gets stronger.

More from U.S. News

The Facts on Heart Disease

The 10 Best Heart-Healthy Diets

17 Ways Heart Health Varies in Women and Men

How Fast Should Your Heart Beat, Really? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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