Where should my Heart Rate be during activity?

So the question was asked during class on thursday, "Where should our heart rates be during moderate and vigorous activity?" First, you must find your maximum heart rate, and in order to do that, take 220 - age, so mine would be 220 - 25= 195. According to the CDC for moderate activity, you should be working at 50 - 70% of your maximum heart rate which would be 97-136 beats per minute (bpm. For vigorous activity, you should be working at 70-85% of your maximum heart rate which would be 136-165 bpm.

Here is the breakdown of the math portion.

Moderate Activity:
195 X .50 = 97 bpm
195 X .70 = 136 bpm

Vigorous Activity:
195 X .70 = 136 bpm
195 X .85 = 165 bpm