First of all, you can say her "Hi". Try not to use the typical phrase of "It's too cold " or something similar, you'll probably think you're dumb to say something so obvious. Depending on your age and where you are you might ask something like for example "How is the work of (something)? " or anything like "You're very loaded this week? " or similar. Never try to make the conversation forced, try to look at what you like to get a topic you can talk about enough to trust you, and be careful when you get a topic you do not know. PS: Points please XD?
Well it depends on what you what. If you are saying hi then say hi. If you are trying to start a conversation then say something nice like I like your shoes or something like that. One question why did you ask