You should probably do a self test to get a more accurate approximation of your zones- since it sounds like you have a hr monitor there are several tests you can do. From what I understand, your cycling hr zones will be about 10 beats less than your running zones so depending on which one you use to test, you'll want to adjust for the other.
Here's a sample running test (from 12 workouts for runners by Sally Edwards http://www.howtobefit.com/12-workouts-for-runners.htm )
If you search the internet for "testing max hr" you should be able to find other methods too.
The 2-4 Minute Max Test
The two to Four-Minute Max HR test can be best performed on a track
and it requires a partner who can run with you throughout the test, give HR
readings and set a hard pace. The runner being tested wears the chest
transmitter belt while the partner wears the wrist monitor.
Start the test with an easy warm-up of at least five minutes or two
laps. Your goal during the warm-up is to get your heart working at about
110-130 beats per minute or about 60 percent of your age estimated Max HR.
After warming up, and without stopping, gradually accelerate your
speed so that your heart rate climbs about five beats every 15 seconds. At
15-second intervals, your partner should tell you the time and your heart
rate and offer on-going encouragement to gradually push harder.
Within a two to four-minute window, if your partner sets the pace
correctly, your heart rate will cease to climb even with increased effort and
pace. At that point, you've reached your max and your partner should call an
end to the test or you simply won't be able to run another step! A diagram
of your test might look like the above chart.
During that last 15-30 seconds of the test as you continue to
gradually accelerate, your partner should keep repeating your heart rate over
and over. Eventually, the same number will be repeated because your heart
won't go higher--it's a finite number.
Training Zones
After completing a medically appropriate performance test and
determining your Max HR, you are ready to develop a training or fitness
program around a training zone which meets your current level of fitness and
goals. Get out your calculator or pencil and computer your five training
zones.
Running Max Heart Rate Test
Equipment
* Runner Testee w/chest transmitter
* Runner Partner w/receiver watch set at stopwatch 10
* 400 meter track, running gear
Steps
1. Warm-up w/2-6 easy laps at 60 percent of mathematically-calculated Max HR.
2. At starting point, partner sets gradually increasing pace. The goal is
to reach the max between two and four minutes.
3. Every 15 sec. partner gives HR and elapsed time such as "One minute, 155."
4. If you reach the 3 minute mark, continue to accelerate but you need to
reach max within 60 sec.
5. By the end, you are running extremely fast, can no longer talk and are
breathing rapidly and hard.
6. Partner should now be repeating HR ever 5 sec. yelling positively and
gradually accelerating until you can no longer maintain form, speed or
willingness to run. You've max'd when HR no longer climbs.
7. Partner calls the end to the test. Warm down w/slow walk to recover then
jog an easy 206 laps for total recovery.



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It struck me as funny for some reason... lack of sleep... sorry
