Ok,so i'm not a mom but I have some of my neices and nephewsmore than they parents so... my neice is 10 soon 11 and we have already had the talk,i have just had the period talk with her and she is praying that it doesnt happen at school cause her teacher is a guy,as for the sex issue,i watch lots of discovery and baby shows so she knows exactly where babies come from and how they get there,she has know it for a long time now,what I have done with all the kids is have a questions day,for the boys i say boy stuff,and the girls are girl stuff if they do not get it i give little explanations,or find out exactly what they know,and fill in the blanks as we talk,I am pretty open and really good at explaining without being too graphic,so i think that u should sit her down and ask her what she knows about sex and fill i some blanks for her,you can even prepare her for some of the things boys might say to pressure girls into having sex and tell her to tell them to get away,Hope that my suggestions can be useful,let me know how it goes