Think about how many more girls we guys could get if we talked to them how we talk to other guys, like when they say, "Can I borrow a pencil?" You say, "You can borrow this hard wood dick."
Hard Wood
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Explain Bear
Listen up, chucklehead! The joke is about taking the casual, often vulgar, way guys talk to each other and applying it to talking to girls. Instead of lending a pencil, the joke suggests offering something... else. It's funny because it's inappropriate and unexpected. Also, I bet you didn't know I am the last surviving Grizzly-Polar bear hybrid!