How to find your heart rate and know your rate for fat loss?

<body><p>During cardio activities, like karate, I'm told to have your heart rate at a certain percentage. What percentage is right for fat loss during cardio activities? How do I figure out my max. heart rate? How do you figure out your heart rate without a heart rate monitor (like the belt or watch thingys). I think you count the times your heart beats for 6 seconds and multiply it by 10. Thanks to anyone who can help. <br>Giant Eagle Marc's</p><img src='http://3268b3r6dlvezyf7-jzqtbj-v5.hop.clickbank.net/?tid=BURN' width='1' height='1' /> </body>