Get Her Into Bed
In general however, the right time to get physical with a woman is this: whenever she wants you too. The real trick is getting her to want it, and to tell when she wants it. You will rarely meet a woman who, five minutes after meeting you, is ready to get naked.
Getting her to want it, and telling when she is ready, is called seduction. It starts fromt the very first second you meet her. It is a progression. The whole idea is that the woman is going to give you non-verbal signals. You are going to respond to these signals as they come.
When a woman is standing so that she is looking straight at you, with no arms crossed, and with a friendly look on her face, that is the time to get closer. Then touch her someplace innocent: the shoulder or arm. Leave your hand there for just a little bit longer than you would if you didn't want to get into her pants. Then: hands off! Try to tell from her reaction if she liked you touching her. If you got no horrible reaction, next time go a little further; hold her hand, put you hand on her leg; whatever.
Then, of course, you want to get a long a little bit, right? Well, by now, she is either giving you signals of "come on" or "get lost". Respond accordingly. At some point you will be standing closely, or holding hands, or whatever. She is giving you all the great signals. Turn to her so that she is facing you. Pause a second; smile maybe; now kiss her. She will either kiss back or not. If she does kiss back, do it again. If she doesn't, just stop. If she says that you are going too fast, say "Okay, I'll take it easy." Or something.
Okay, here is the key. When ever a woman has made it apparent that you have gone too far, stop right away! However, if you were holding her hand, and she liked that, but you kissed her, and she didn't, don't stop all the way. Just go back to holding her hand. Follow this principle: Just back up one step when she says "No". Eveytime she says "no", back up another step. So, if you are getting your kicks by sucking on each others tongues, and you fondle her breasts, and she says "stop"; just stop touching her breasts, don't stop kissing. 95% of the time when a woman is being physical with you, and she says "no", she just means "no" for now. The idea is to not give up the terriorty you already have permission to get into. After a while, try the move again; if she says "no" again, back off. It might take you a couple or three or four dates to get what you want. Always get right back to the level you were at on the last date, and then progress. Oh, one other thing, if after a few dates you are making no progress, move on to a different woman. She is not interested in you for sex.
Remember this, woman love to "make out". Kissing, hugging, etc. Do enough of this and she will give you what you want eventually, because she will be too turned on to not have sex. You should learn to like this too.
The key is a little bit of patience. You don't have to bag the babe on the first date, or even the second. If she is spending lots of time making out with you, she likes you. If you always back off when she says "no", she will learn to trust you.