sdtPikachu is totaly right...i agree with him 100000000%
i hope that what im about to say doesnt get out of GT!
when i was 14...i slept with a girl, but i didnt have sex...y am i telling you this...because like Pikachu said it is our choice, and if we're ready then why hold back?
me and my EX

were reely happy with each other, and we wouldve still been together if i hadnt moved from that city!
so...sex should be your choice, and you choice alone, i thknk that you'll know when your ready...and your partner will too, if your partner isnt ready then dont push him/her!
my advise is that you have protection when having sex, and make sure you
AND YOUR PARTNER are ready!
that is all...