He looked around and couldn't see anyone. He thought he was dreaming when he heard the voice say again, "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, 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.
"What, are you nuts?" the frog exclaimed, "Didn't you hear what I said? Kiss me and I will be your beautiful bride."
The fellow opened his pocket, looked at the frog and replied, "Nah, at my age I'd rather have a talking frog."
8-)