There is a fine line when you are writing. You must always be conscious of what you write and where you take your sources from. You may not think so but plagiarism happens every minute of every day. For example, when you take information like pictures or sayings from another persons page (facebook) with out the expressed permission of that person.
It is sometimes hard to know when to site a source or not. My motto is "If I didn't think of it, cite it." It is better to air on the side of caution. Plagiarism is very serious.
I like your motto and totally agree with it. It is definitely better to err on the side of caution rather than to have a lawsuit or potential loss of employment be your payback. Especially when you are in school. It's definitely not worth being kicked out and losing your education because you couldn't give credit where credit was due.
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