Hallow Dear, Masturbation is not a sin neither is it a bad habit, provided it is controllable and is within normal limits. . Women have two types of orgasms - clitoral orgasm and vaginal orgasm. Only 10% of the women have experienced vaginal orgasm which comes after the tickling of the G point in the vagina. Most of the women have experience and are satisfied by the clitoral orgasm only. For clitoral orgasm, there is no need to insert any object inside the vagina. Tickling of the clitoris gives orgasm. However, neither clitoris nor vagina should be touched dry lest discomfort and/or pain. It is advisable to use some water based lubricant on the object used for sexual satisfaction - may be even the fingers. The vaginal orgasm comes some times after clitoral orgasm. It is experienced by tickling and pressure on the G point inside the vagina. This point is located on the front wall of vagina about 1 inch inside the external opening. Both these orgasms can be experienced by masturbation as well as sexual experience with the partner. For vaginal masturbation, there are many objects that can be used to insert inside the vagina, which includes fingers, any shaft, dildos, etc. For any external object, it is advisable to use dildos and keep them well clean and hygienic. While using the fingers, the hands must be clean washed with soap and water before and after the masturbation. I feel this much information is sufficient for you.