12. Store up acts of charity in your treasuries,and it will deliver youfrom every distress.
13. More than a sturdy shieldand more than a hefty spear,it will fight for you against an enemy.
14. Good people will guarantee a loanfor neighbors,and those who have lost anysense of shame will abandon them.
15. Don’t forget the kindness of thosewho have guaranteed a loan,since they gave their lifeon your behalf.
16. Sinners will ruintheir guarantor’s property,
17. and ungrateful personsintentionally abandon their rescuers.
18. Guaranteeing a loanhas ruined many prosperous peopleand tossed them aboutlike a wave on the sea.It has led to the exile of the powerful,and they have wanderedamong foreign nations.
19. Sinners will fall into guaranteeing loans,and when they chase profits,they will fall into lawsuits.
20. Help your neighbor as much as you can,but keep yourself from ruin.
21. Life’s foundations are water,bread, clothing,and a house for ensuring privacy.
22. Better is the life of the poorunder a shelter of raftersthan magnificent foodin foreign countries.
23. Be content with a little or a lot,and you will never be put downfor being a sojourner.
24. Going from house to houseis a miserable life,and wherever you are an immigrant,don’t open your mouth.
25. You will entertain and provide drinkwithout thanks,and you will hear bitter wordssuch as these:
26. "Come here, foreigner, prepare a table;and if there’s something in your hand,feed it to me.
27. Go away, foreigner,I have a reputable guest;my brother has come to visit,and I need the house."
28. These are difficult thingsfor a person of intelligence:criticism for being an immigrantand rebuke from a moneylender.