A buccaneer
If you don't pull out in time, it will cost you a lot of money. My boss said he made this up on the spot yesterday. Never heard it before so I figured I'd post it.
A man was telling his neighbor, 'I just bought a new hearing aid. It cost me four thousand dollars, but it's state of the art. It's perfect.' 'Really,' answered the neighbor. 'What kind is it?' 'Twelve thirty.'
They're on your buccan head!