In my teens one of my cousins - Denise - would keep coming round to visit after school. I was 16 and she was 15. We would go to my bedroom and play the latest records, etc.

As time went by I started to notice how pretty she was and how she was developing a figure. So much so that at nights I would masturbate while thinking of her.

Then one afternoon she asked to dance with me to a particularly slow and romantic song - something like 'please stay don't go'.

So I did, and got an immediate erection as soon as we locked bodies. Denise noticed straight away. Is that your cock I can feel - she said - and can I see it.

So we got on the bed and I stripped off. Denise immediately got hold of my cock and started to touch and stroke and finger it. I've heard that boys wank their cocks - she said - can you do it for me?

So I did, slowly tossing myself off, just before I came I took one of her hands and placed her fingers round my cock and placed my hand round her hand and guided her to bring me off.

We had many more afternoons like that, and Denise let me finger her pussy and clit to orgasm, but we never had full penetrative sex

I would start slow, mix some questions into general conversation, things like does she masturbate and what fantasy's does she have. then see what her reaction is, if she doesn't get offended then ask her more sexual questions, until you feel she is comfortable enough to let you touch her or vis versa. Remember not to force her to answer the question, you want her to be comfortable with whats happening so she enjoys it as much as you do, that way it doesn't become a one off event. As for how far you should go, only you and her can answer that, just remember that you need to be on the same page as each other.

Hope this helps :)