Proverbs 27:12-14

The Voice

¹² The astute see evil coming and take shelter,
    but the stupid plow right on and then, of course, have to pay the price.
¹³ If someone guarantees a stranger’s debt, hold his garment as collateral;
    if that guarantee is for the debt of a foreigner, make sure you get a deposit.
¹⁴ Anyone who blesses his neighbor with a loud voice
    early in the morning,
    will find his blessing regarded as a curse.