[earntaz]

A Texas rancher walks into a bank in New York and asks for a five thousand dollar loan for a month. The banker is uncertain as he thinks the Texan is a pure redneck. He says, "Would you happen to have any collateral?"
Texan says, "Yep. Got that Ford F-250 parked across the street, worth about 70 thousand all decked out that way."
"Do you have a clean title on that."
"Yep."
"Well," said the banker, changing his tune, " I don't see why we shouldn't be able to loan you the money, sir. May I ask why you need the loan?
"I drove up here from my ranch out round Abilene and suddenly have a need to fly over to Es-pan-ya to look at some An-da-lu-tian horses. Need some pocket change."
"Well, Mr. Tucker, for just a month we won't even need to put a lien on the title. Just leave us the truck and we'll hold it for you, as hard collateral, until you return."
"That'll be just fine," said the Texan as he handed over the keys.
The banker handed over the money within ten minutes of minor formalities.
One month later the Texas returned, paid the five thousand dollars plus the month's interest of twenty eight dollars. As the Texan took his keys and they brought his truck down from the garage, the banker said, "Just curious, sir. When I ran a credit check on you it was clear that you are a wealthy ranch and oil man. You didn't really need this loan. So why did you borrow the money?"
Texan says, "Where else am I gonna park an F-250 in New York for a whole month for just 28 bucks?"