Actually, the trainer at the gym calculated mine for me. It's based on your age and weight, I believe. Most gyms have charts, but, as you say, Google probably has more than a ton. My target rate, for example, to burn fat is 121-128. I have to watch the speed on the treadmill because, logically, my heart rate has a tendency to go up the higher the speed I choose. I just convince myself that, while I may not have the mileage I want at the end of the workout, I'm doing something better for my body.

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"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don't, and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, then let it, and if you have to wait for what you really want, take the time because nobody said that life would be easy. They just promised it would be worth it." ~ Unknown author