first of all, those little schematics on treadmills are for-idiots-only...
like phreezer said, your max rate is 220 minus your age which is 199; we can round it off to 200 for the sake of ease of calculation. now, your ideal fat-burning range is between 60% and 75% which, in your case, would be between 120 and 150 bpm. so 139 is fine. if you go higher, the theory is that you will be burning too much lean tissue versus fat. if you go below that, you're not burning fat or at least not efficiently. hope this helps.
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