Thing that really got me going with my monitor was a book by a geezer called John L Parker Jr (guess what, and American) called "Heart rate Monitor Training for the Compleat Idiot." which pointed out how inmportant it was to build a really strong aerobic base before p-iddling about extensively with speedwork etc. Looking at my log, the guy was right, because I slowed down, chilled out, and took about a minute a mile off my easy runs within about 6 months. Highly recommended.