A fitness instructor with free advice; Who ever heard?!

I was making phone calls to various stores looking to see if they knew any place that had a hydrostatic weighing tank to measure my "real" body fat. Well just so happens that one of the stores that I called has a manager that is a personal trainer certified and he just does not have the time to instruct anyone anymore. He now works in a fitness retail store. He gave me a ton of information and even said that he would help me out with a fitness plan for free! I complimented him to his GM and he said that he would give my information to the owners because I just loved how helpful this man was. He explained to me everything that I was doing right and wrong and even gave me some tips and told me that I coudl even have a discount if I ever came to buy anything from his store. It is very rare when you actually run across someone that is so kind with free information. You have to think that this is the information age and nothign not even information is free anymore. He had mentioned that you can lose weight the fastest when you do cardio and keep your target heart rate between 65-75%. To calculate that you take 220 minus your age times .65 which equals your maximum heart rate. Mine is 126.1 so that means that I can go up to 126 beats per minute to reach my weight loss goal. He said so I dont get bored and since I dont have any equipment, I can continue what I am doing but I can maybe do jumping jacks for 2 minutes and then immediately go into situps for 2 minutes then do pushups for 2 minutes, then do running in place for 2 minutes then back to situps and then start with the jumping jacks again until I reach 30 minutes. Just make sure that I dotn go over the 161 - 145 beats per minute. the 145.5 is the 75%. He also gave some other great tips and he clarified to me that it is a myth that if you just keep doing situps and no cardio, then you will eventually start to burn fat on your stomach area as well. In order to lose any fat you have to do cardio! Hands down! If you just keep doing the situps, you will start to just look bloated because all of the fat will be sitting on top of the muscle that you are building. Wow! I am glad there are still nice people in this world today.