Clearly the MHR may vary a lot between athletes and the general formulae are just guide-lines. It is relatively easy to determine the max hr. Here's an example for running (ref. completerunning.com originally posted by Mark Iocchelli), but also works for cycling and probably for paddling too, exept for that uphill bit
Before you do this, be sure to check things out with your doc..
1. Strap on a heart rate monitor.
2. Warm up by running for 10 or so minutes at medium running speed.
3. Build speed for another few minutes.
4. Approach a long, 500 meter medium-grade hill while still building speed.
5. Run up 500 meter hill as fast as you can.
6. Fall down when appropriate (i.e when your body tells you it’s time to fall down).
7. Enjoy heart fibrillations and “rad” out-of-body experience.
Some people get to MHR by running progressively faster laps on a track—a method, however, using a long hill challenges you in the two dimensions of speed and strength.
There are of course many variant for different diciplines, but the only reliable method to determine your MHR is to push your body to max.
the MHR alone is not very usefull for working out the best HR-zones for various work-outs. iIt is much better to do a lab-test (tread-mill or bike) or a field test, an example of which is described here:
www.beginnertriathlete.com/cms/article-detail.asp?articleid=633
happy paddling