Fat Loss Tips.

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.

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