Ok - gotcha. Thanks for the fixed link.
What's she's referring to is basic copyright infringement and theft. If the content you are writing was written 100% by you, in your own words: you're safe.
If you purchased the PLR, with rights to use that PLR: you're safe.
However, I would always, ALWAYS, alter any PLR, even purchased PLR to make it 'my own'. I would add to it, alter the wording to give it 'my voice' and to ensure that the PLR when you publish it will not be an exact duplicate anywhere else on the web. Because if someone else has purchased this same PLR, and did nothing put slap it up on their web site without altering it one bit; and you did the same - while legally you both have rights to use it that way, to the site visitor to happened upon your sites, it may appear as though one of you swiped the others content.
Images: if you took the image with your own camera: you're safe.
If you purchase the image, with rights to use the image on your web site, within your publication, etc...: you're safe.
Just swiping an image off Flickr thinking it's public domain and ok to use, is not wise, nor safe.
If you are part of a affiliate program or any company/group/organization that provides images for you to use for publicity/marketing: you're safe.
It's all about integrity and operating within the law. If it's not yours, you were not given expressed written permission to use it or you didn't buy it: then don't use it.