Hi Kerrie,
As for a heart rate monior, it depends on all what you want to do with it. As to what one you want to get. If you go to the gym and workout on machines, there are some machines that will respond to the Polar heart moitors and it will display your heart rate on screen and then adjust your workout to your heart rate, so you just have keep doing what your doing, and not even have to push a button in the middle of your workout as it's being done for you.
But for home use, and you don't have those machines, you may not want everything a Polar can do, as they do a lot. Or you might, as some show how many calories you burn, and what percent of those calories were fat. And some will even do a heart rate test on you, and you get to walk,jog and run for about 5 minutes, and it will then set itself to your heart rate. This part I've found to be pretty accurate as they are usually only a couple digits off, from the machines we use to test at the gym, and the people who have had a heart stress test, the Polar monitors gets pretty close to those numbers as well. They aren't excat but I haven't seen a watch be higher then what was shown on the stress test which is good.
Personally before I buy anything I go and research it, and read comsumer reviews, I usually try to find them off any site that is related to the product in question, so I get the bad with the good, and then decide.
Also Timex has a heart rate monitors, though I'm not too impressed with them. But they are a lot smaller then the Polar, the mid-size actually didn't look like I was wearing a cartoon or clown watch. But they pick up other equipment's signal some times and once in a while the watch loses the signal from the chest band, or gives a wacky reading, like 5 minutes ago I my heart rate was 150 and then I'll look down at it again as I'm still working out, and it will tell my my heart rate is 60. But then I just have to pull the chest strap away for 3 seconds and then it will reset. Needless to say, I persoanlly didn't like doing that, especally since the edge of the band is under my bra, and having your bra pulled 1/2 inch away while your moving, doesn't always keep things in the right place. So I sent my Timex back and and ended up getting a Polar. I can say Timex did have a better chest strap then the Polar, a bit wider, and it was all cloth instead of hard plastic and elelastic. But the nice thing about Polar is you can take the elelastic part off and just slip the chest piece under the bottom strap of your sports bra, and it stays in place and it's out of the way, so when you bending over etc, it doesn't feel like you got some belt around your chest. And it doesn't dig in, if you really curl your upper body, doing abs or whatever you happen to be doing.
But check out the different ones Polar I think has about 20 different heart rate monitors, there are other brands that a good as well, but sometimes they are only a west coast or east coast thing and it's hard to get them of you live on the other side of the US. And they get pricer the more you get on them, so take a look and see what they come with, what you'd really use, and then shop around and read comsumer reports, so you get the best one for the best price and does what you want. As there are a ton of gadgets that come with them anymore, I remember when they first came out, if you got one that told you the time as well as your heart rate, that was the top model, and it costed you an arm and a leg. Now they have come down, but then went back up because of the add ons.
One of the best sites I found is
www.heartratemonitorsusa.com they will beat anyone's price and the price that you see when you look at the heart rate monitor is the price with shipping include. Well second day shipping I believe it is. If you want faster then you have to pay for it. Their customer service is really friendly and helpful and they know quite a bit about each watch, so if you have a question, they are pretty knowledgble.
Hope that helps.
Kit