Hi,
OK the thing is I've been going out with my boyfriend for a year and a half exactly. He keeps asking me if I want to have sex with him,of course I tell him no because I don't feel ready to do that. He doesn't get mad or anything, he just says OK and hugs and kisses me. I want to get pass hugs and kisses but not sex yet. Can anyone help me?

Going past hugs and kisses leads to petting and then both of you get hot and bothered and that leads to frustration if you are not ready and he is. You appear to be level headed and he must know that no means no, right?

Just remember that you must have protected sex when and if you do.

If you really want to do it then do it. What could happen?
Answer:

Pregnancy
Std
Death from aids
Losing your guy
Loss of self respect

Yes you did not say how old you are, 13 or 18,

Big difference but in the end don't do anything you don't want to,
And don't have sex till you are ready to get pregnant, since no birth control is 100 percent effective.

I'm 16 years old

Wait you have so much time to experience this part of life

Are you ready to be a mother?

I would say 16 is perfectly OK to have sex (age-wise). But if you're not comfortable doing it, then don't. Also.. you don't have to go from hugs and kisses straight to intercourse! You can do mutual masturbation, oral sex... lots of random stuff, really. Just start with light things and with time you'll feel more confident about having sex. Or maybe you'll realise you don't want to do it with this guy. In any case, it will help you make up your mind, and will make you feel less awkward sexually speaking.

and no, petting and oral etc don't necessarily mean frustration, you can both get off perfectly on such things. Just make sure to set the limits, if you're sure you don't want to have intercourse, make sure your boyfriend is well aware of it, and doesn't expect to end up having sex. Things can get pretty much heated up and out of control sometimes, and if you're coerced into something you didn't intend on doing, you'll feel bad afterwards.

No, you shouldn't "just do it".

You're not ready. If you "just do it", you won't be happy about it. You might even regret it later on.

Just wait until you feel ready. Your boyfriend should understand this.

Don't do it. It doesn't sound like you're ready. Sex is more than just a physical act. It can seriously mess you up, not to mention all the risks daniel mentioned.

I think you should do whatever you are comfortable doing.
If you want to get past the kissing, take things slow, communicate with your boyfriend, let him know whats on your mind, he will understand.