An 86 year-old man is out fishing. He was sitting in his boat when he heard a voice say,

"Pick me up!"

He looked around and did not see any one. He thought he was dreaming until he heard the voice again.

"Pick me up." The old man looked in the water and there, floating on a lilly pad was a frog.

The man said, "Are you talking to me?" 

The frog replied, "Yes, I'm talking to you. Pick me up. Then, kiss me and I'll turn into the most beautiful woman you have
ever seen. I'll make sure that all your friends are envious and jealous because you will have me as your bride."

The man looked at the frog for a minute in confusion, reached over, picked it up carefully, and placed it in his front pocket.

The frog screamed, "What, are you nuts? Didn't you hear what I said?? I said kiss me and I will be your beautiful bride!"

He opened his pocket, looked at the frog and said,

"Nah, at my age I'd rather have a talking frog."