intercourse

I'm 15 years old. The only sexual things I've done are kiss and give a handjob. I want to start masturbating but I'm very scared. I have an EXTREME fear of pain: I can't even get shots without hysterics. Pain scares me more than the average person, and it's getting in the way of my sexual pleasure. I've never fingered myself and I don't know how....

I am 20 years old and I cannot insert anything into my vagina, not even a tampon. After a month of practice, I have managed to be able to insert a finger about halfway into my vaginal canal. After that I freak out because it's uncomfortable and I pull out very quickly, which hurts a bit....

I'm a female and my best friend is a male. We're both virgins, he's 17 and I'm 16. He keeps telling me that he wants to have sex, and he's been touching my body more and more. We've kissed and made out recently, but he wants to go all the way....

Is cumming and having an orgasm the same thing? I'm a virgin. So I've never had sex. I just masturbate often. When I rub my clit for a while I get this amazing feeling and I can tell I squirt something out. After that, I get tired and stop. I can make myself do this multiple times and I consider that cumming. Is it an orgasm though? Is that how it's going to feel when I have sex?...