I posted this before but I can't find the post now ...

One thing my gf did in phone sex was she got a vibrator and asked me to instruct her on using it on herself. I had her touch herself and get herself hot very gradually, and made her beg me to slide it into her very slowly, bit by bit. She is very submissive and loves that sort of stuff. I also made her ask for permission to cum - sometimes I said yes and sometimes I made her touch other parts of herself first.

Very hot, we both really enjoyed it and we did it may times after that.

I recently heard a woman talking about how to talk dirty that I found to be very helpful. I also get shy on the phone and find it hard to say things. So, this woman explained that you just decribe what is happening. If during phone sex he is supposed to be touching you. Then just repeat what he is doing or what you want him to do to you. Like, "Oh yes I love the way you touch me," "You hands turn me on so much," "That's it baby, don't stop" ect. I have kept this clean but you get the idea. This works for real life sex too. Better I would imagine.  

i have that problem too ... i get a girl online talk to her on the phone ... fell in love (im serious sounds dumb but i dont care what u think) and ya want to have sex ... the distance is too great so we just cyber and kinda started with phone sex i feel pretty dumb saying this stuff some times ... she does too she loves it when i do it but i just do it some and ask her how it was and she tells me how i did practice makes perfect

but for a tip ... i will try to help i recommend just relaxing getting really horny and just if its right you will just come out and say it

sorry i cant help =\