When is safe for a woman to have intercourse without any protection?

I have always been wondering this question. I've been asking all of my friends about it, but I'm unsure of their answers. So I want a professional answer. So my question is: when wearing a condom, do you HAVE to pull out before or when you "erupt", or can you just keep going?

I am a 15 (almost 16) year old virgin. My boyfriend and I are thinking about having sex. We love each other, we are both mature and know everything, and we both ARE ready. He isn't a virgin, he had sex once before. While having a discussion on the phone he mentioned to me about this round-a-bout and that he doesn't like using condoms. I am completely 100% for condoms and would never risk myself getting pregnant or getting something (even though I know he doesn't have anything). But he insists that he barely pre-cums and when he does "finish" he knows beforehand. I know guys just say that. I've thought about it and maybe after were used to intercourse I'll think about the pull out method. But ONLY if we use another type of protection.

What do you think about the pull out method? For the other question I have, what is safer to use, in a girl's point of view? Morning after pill? The Ring? Birth control? How can I get my hands on a Morning after pill? Thanks ever so much.

P.S. your site rocks =]

Me and my boyfriend have been going out for three months. We are 15 and for the past week we have been talking about having sex. I have thought about it so much. We both really want to, but I am scared because I don’t know how to do it, I don’t want to get pregnant, etc. My friends are telling me to do different things: some say follow your heart; others say I'm being irresponsible and immature. I really feel like I'm ready and I love, care, respect, and trust my boyfriend so much but I feel like I'm being influenced by my friends. I don’t know what to do, help?!