If you can't carry on a conversation, you're working too hard. The least expensive ones that just tell you what your heart rate is will be fine. As your heart gets stronger and your weight plummets, challenge yourself a couple of times a week with higher intensity workouts or occasional power surges in your normal workouts. Monitors can help ensure you're doing this at an appropriate intensity. If you know that 11 o'clock each day is workout time, then it becomes a routine that's easy to maintain.
Weight loss comes twice as fast.
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