How is it having ?

i was wondering how is it like having i hae never done it. I heard it was painful. I dont even know how it works. I also heard there were many different type such as . is it like saying sweetie or suff like that? could you people explain all this to me. I want to understand it to after make a choice if to wait until marriage or have when im about 25 years old. im very confuse and i would lije to lear everything about this, every detail.