That is way high for a resting rate. I am addicted to my Polar and when I started I was in the 100 range and my trainer like to of fell out. 3 years later and a 150 pounds of body fat later my resting is around 65 which is awsome. You should be shooting for around 75-85 to be decent and about 145-165 for optimum fat burn while working out. Alot depends on your age and weight. The better the shape your in the harder it is to reach your max because your heart is more efficient. Same with resting heart rate it means your heart is stronger there fore less beats to accomplish the same efficiency.