It seems an old fisherman stumbled across a talking frog while out fishing one day.
The frog said: I’ll turn into a ravishing beauty and fulfill your every desire, if only you’ll kiss me. The fisherman scooped up the frog and put him in his pocket. Later on, at a bar, he pulled the frog out and set the frog next to his beer. When the bartender overheard the frog repeat the offer, he asked the fisherman what he was waiting for. The fisherman replied: At my age, I’d rather have a talking frog.