An old Texas rancher walks into a bank in New York City and asks for the loan officer. He says he’s going to Europe on business for three weeks and needs to borrow $5,000. The bank officer says the bank will need some kind of security for the loan, so the ol’ man hands over the keys to a new Rolls Royce.

The car is parked on the street in front of the bank. He provides the title and everything checks out. The bank agrees to accept the car as collateral for the loan. The bank’s president and its officers all enjoy a good laugh at the ol’ man for using a $250,000 Rolls as collateral against a $5000 loan.

An employee of the bank then proceeds to drive the Rolls into the bank’s underground parking garage. Three weeks later, the ol’ man returns, repays the $5,000 and the interest, which comes to less than $40….

The loan officer says, “Sir, we are very happy to have had your business, and this transaction has worked out very well, but we are a little puzzled. While you were away, we checked you out and found that you are a multimillionaire, with several PhD’s. What puzzles us is why would you bother to borrow $5000?” The ol’ man replied, “Where else in New York City can I park my car for 3 weeks for 40 bucks?!!”