replying to this is bad karma, but fuckit
you need to get her to a seduction location under false pretences - tell her you have to quickly go home to get something/show her something bla bla - whatever - jsut dont let her think in any way shape or form that youve taken her there to score with her, because thats going to get her guard higher than that wall the israelis are building and youre screwed - then once shes there, you start making moves
also increase her comfort level and drop her guard by telling her that you arent going to go too far tonight, youre in the mood to kiss/massage/whatever only (total bullshit) and concentrate on making her really, really horny - the hornier she gets, the more likely she is to advance to the next stage
when you stall out (her saying "i cant" "i wont" "we shouldnt" etc) agree with her, get off the bed/couch etc and do something COMPLETELY nonsexual, to break the momentum of your seduction. then, after a little while of doing whatever it is you were doing (changing music, sending text messages, doing the dishes, whatever) start making out with her again, and this time, youll be able to go further with her before she says "i cant" "i wont" "we shouldnt"
so, in hypothetical situation number one, you get a girl into bed, take off her blouse, make out, she freezes up, and you get the "we shouldnt, its too early" line. agree with her, DONT let her put her clothes back on (hide them lol) and do something like check EF. she'll be confused in bed. then get back into bed, start making out again, she'll get horny again, and this time you can throw her panties across the room before she says "we shouldnt, its too soon" or whatever. agree, kiss for a while, get up and fix a drink, tell a joke - whatever - just break her "too sexy too fast defenses UP UP UP MAYDAY MAYDAY" train of thought, and then repeat the process. back into bed, kissing, horniness up, go down on her bla bla bla and ten points you win.
im becoming a bad person with all this shit. really.