Proverbs 27:11-13

New International Version - UK

¹¹ Be wise, my son, and bring joy to my heart;
    then I can answer anyone who treats me with contempt.

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

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