Hmm, well I suppose it depend on how each of you individually view sex. For example, some people are inherently very sexual beings, they talk about it openly and are forever initiating physical contact of some sort. In these relationships sex either happens organically or the topic gets confronted fairly bluntly early on, especially if both people aren't on the same page. In contrast, sex can be taboo for some people due to religious or cultural influences, and thus sex most likely won't happen organically and the topic won't come up. (Side note: I also realize the topic of sex is not a black and white spectrum and people will fall outside these two examples, but I'm just using them to illustrate different approaches.)
So, ask yourself how open has your girl been to other intimacies like kissing, cuddling, holding hands or other physical manifestations of intimacy? If she's fairly open I'd just be blunt in an unassuming sort of way (just because you bring up the topic doesn't mean you're going to get some). "So, we've been messing around a bit and I just wanted to know what your boundaries are so we don't do something either of us would regret." Then, if she's open, break the ice. "Personally, I find you very attractive and want to have sex with you, but I want to respect your boundaries" Excellent. This gets it all out there, she knows you respect her, and you get her take.
But, I'm an extremely blunt person and I get this approach is not for everyone or every situation. If you are moderately comfortable with the subject the first portion of that dialogue can still function as an icebreaker because you never actually reference sex, which creates a bit of a safe zone in terms of answers. Finally, if she hasn't been super open to other forms of physical intimacy I'd hold up for a while until she jumps on the band wagon a bit more... or if you know her inhibitions are cultural or religious in root inquire as to what exactly they are, so you know what you're dealing with.
In terms of physical hinting -- if you put your mind to it I think you would be amazed at the plethora of opportunities that present themselves from making out to dancing or in a less traditional sense, everyday tasks... like eating a banana. Once I was a little frustrated so I decided to wait until we were alone to lock eye contact with my guy while I really enjoyed eating a banana. When he started breathing a little heavily I dropped the act and told him, "You know I really enjoy bananas, but I really want a taste of you." Sounds cheesy as hell, but he caught on pretty quick. I'm sure there are female equivalents, but if that's not your style being a bit more touchy feely or whispering a few tasteful or well placed innuendoes here and there can get the point across although it may take a bit longer. Bottom line: timing is key. You will not get the answer you want, or even a truthful answer if you ask her when she is preoccupied, stressed, or uncomfortable with a situation.
When you're moving down the list of physical intimacy, it'll come up naturally. Once you move from kissing to touching to heavy petting dry humping, etc etc. At some point along the line, you or her may stop feeling comfortable and want to slow down. Physical intimacy time will turn into non-physical intimacy time and you can discuss where you both are as far as comfort levels, what you want, how soon you want it, and how long you're willing to wait.
It's more about what you do then what you say. I've come across this before and I know it can seem awkward. Drop hints to her. I sorta joked about how she would be the rough one and I would be the gentle type. I would get her chocolates and say " Don't think you're getting anything else sweet from me tonight". Just be relaxed about it. If you stress about it that will make her tense. Fool around and be cheeky with her.
It worked for me.
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well it will come later when you are more used to your girl if you get gf's just to have sex you are messed get to know her then think if you want to go that far with her after you are more comfortable being next to her it'll come to you
just be like ay yo bitch, open up yo but I gotsta pee!
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