A guy is 70 years old and loves to fish.  

He was sitting in his boat the other day when he heard a voice say, 'Pick me
up.'  He looked around and couldn't see any one.  He thought he was dreaming
when he heard the voice say a gain,'Pick me up.'

He looked in the water and there, floating on the top, was a frog.

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

The frog said, '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 I will be your bride!'

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

Then the frog said, '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.'