I think there are two concepts within these articles. There is the "+/- balances" concept (which Steve calls polarity), and the there is the concept of "direction" (which Steve calls polarization). If you are trying to go from point A to point B, polarity is the amount of distance you cover, and polarization is the direction of the distance you cover. The concept of a vector is an excellent analogy for this.
In different terms, your polarization is the intention which is guiding your moves and your polarity is how much energy, time, focus you are using to move in that particular direction.
It is easy to answer the polarity side of things.. How much energy you are using.. The direction portion is a little trickier, but I think the following questions help with figuring out your direction: Are you trying to take more than you give? Or are you giving more than you take? The first could be labeled as 'fear-based' while we can call the latter 'love-based'. Or call them good and evil, or up and down, or frog and chicken.
Buying a car, looking for a relationship, building a business... Every activity could be done with one direction or the other.
I was listening to a podcast by Robert Kiyosaki (Rich Dad Poor Dad) the other day. He was saying that there are two kinds of salespeople: the takers and the givers. He explained the exact same concept in his podcast, saying that takers see everything as a single transaction and try to take as much from you as possible (since there won't be a second transaction once you are treated the way you were). The givers try to provide more value then they take.
Like Steve said, you pick a side and act consistently. As you keep acting in that direction, you build up momentum. Thus, it gets easier to move in that direction and it also gets easier to put more energy to move in that direction. However, I don't agree with his indifference to the two sides. Keep in mind that whichever side you pick, you will be surrounded with others who picked the same side! There is no separate, corporal God out there to judge you depending on which one you pick. The "Judgment Day" mentioned in religious scripture is just a metaphor. You knowingly or unknowingly pick a side and experience the consequences. What you experience and your reflections on the consequences is your own 'judgment day'. If you are aware of both sides, I'd say go with love. If you've lived within the fear side for a long time, the switch won't be easy or quick, but it will get easier.