A Black Man walks into a prestigious private bank in Mayfair and asks for a
loan from the loans officer who politely tries to direct him to a more
commercial establishment.
The Black Man says he's going to Jamaica on business for two weeks and wants to
borrow £5,000.
The loan officer says the bank will need some kind of security for the loan,
so the Black Man hands over the keys to a new Rolls Royce. The car is parked
on the street in front of the bank. He has all the papers including the
title and everything checks out. The bank agrees to accept the car as
collateral for the loan.
An employee of the bank then proceeds to drive the Rolls into the bank's
underground garage and parks it there. The news quickly spreads throughout
the bank and over lunch, the bank's president and its officers all enjoy a
good laugh at the dumb"Nigger's" expense for using a £250,000 Rolls as
collateral against a £5,000 loan.
Two weeks later, the Man returns, repays the £5,000 and the interest,
which comes to £20.41. The loan officer says, "Sir, we are very happy to
have had your business, and this transaction has worked out very nicely, but
we are a little puzzled. While you were away, we checked you out and found
that you are a multimillionaire.
What puzzles us is, why would you bother to borrow £5,000?"
The Black Man smiled and then replied; "Where else in Central London can I
park my car for two weeks for only £20.41 and expect it to be there when I
return?".

And dem seh we foolish