if you dont want to read the guides and learn how to overclock, then there is a very simple anwser. Dont overclock. Problem solved
However, if you do want to learn how to overclock you must read the stickies. We cannot just tell you what settings and voltages to use, there are too many variables between systems. What worked for someone else might not work for you, so you are going to have to learn what to do and figure out the best settings for your system.
That isn't to say that if you have questions we wont help you. You just have to take the first step and learn what you are doing.