Proverbs 27:12-14

New International Version

¹² The prudent see danger and take refuge,
    but the simple keep going and pay the penalty.^(A)

¹³ Take the garment of one who puts up security for a stranger;
    hold it in pledge if it is done for an outsider.^(B)

¹⁴ If anyone loudly blesses their neighbor early in the morning,
    it will be taken as a curse.