RE: ideal bpm??
Robert is right. The formula is:
220 - age (25 in my case)= 195 (my max HR)
For efective fat burn you need to be training at approx 65% of your max HR. 127bpm for me, and for cardio, about 85% plus - again, for me about 166bpm.
Although this is the general norm, everyone is diferant, I find my ideal fat burm zone is more like 140bpm and my optimal range for cardio is 170-180bpm.
Hope this helps.