An OT notice regarding proverbs: An almost equivalent German proverb to the Czech one mentioned by Jan could be *Wer sich's Maul nicht aufzutun getraut, muß den Beutel auftun.* (according to Simrock, Nr. 6895. e.g. http://www.buecherquelle.com/simrock/sprichwt/sprichm1.htm). However, it won't be very frequent in the speech, I guess. On the other hand, there is an identical Czech version of [i]Reden ist Silber, Schweigen ist Gold.[/i] (Simrock, Nr. 8254 :-) too. That's the nice feature, of proverbs and such phrases - you can always choose, whatever "position" you need :-)
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