I believe the first article I listed indicates various methods for finding your max heart rate. Probably the best one is the partner test, although you can do it yourself. Do a short warm-up (4-5 minutes) to get your heart rate around 120 beats/minute (this is an estimated 60% of most people's max HR). Then begin to increase the pace so that your heart rate climbs about 5 beats/minute every 15 seconds, its ok to actually take a little bit more time to let it climb so that you get a good measurement. You're going to continue to increase the pace until you get to a point where you simply cannot go faster (you may very well be nearing a full sprint given your aroebic capacity) or your heart rate will not climb. The bottom line is, you're going to be moving and probably near out of breath. This is your Max HR. Once you have your maximum heart rate you can now calculate training zones. Essentially, the following is a base for your training zones:
Recovery Pace: 60-70% of MHR
Aerobic Base or Endurance: 71-75% of MHR
Aerobic Threshhold/Lactate Threshold: 76-80% of MHR
VO2Max: 81-90%
(A more detailed list of the zones can be found here:
http://www.3-fitness.com/tarticles/zones.htm)
There are always differing ideas when it comes to training zones and some would say that your Threshold zones and VO2Max zones could be elevated slightly. Once you know your various zones you can develop a training program that encorporates the zones. Generally speaking you want to probably hit an AT/LT workout about once every 8-10 days, a Long Run workout (nearing the top of your Recovery Pace) about once every 7 days, a VO2Max workout about once every 7-10 days, and have the rest of your workouts in the Aerobic Base zone with Recovery runs inserted when you get tired and need a bit of rest, which is usually after a hard workout. As you can see over time your workouts will start to overlap and you'll find yourself running a lot of quality workouts in short proximity to each other. Generally when this occurs you need to know how to combine workouts into a single workout so that you're not overtraining. If you're really not sure what you're doing you need to be careful or you can run yourself into a position where you're susceptible to injury.
Essentially any plan like this should be preceded by a period of Endurance building that can last anywhere from 3-4 weeks to many months. If you haven't been training very long you'll most likely want to take a solid 6 months to a year to simply build up your aerobic capacity.