Question 1: The first sentence uses the simple present tense. It implies that it's the girlfriend's habit to talk about it, whatever "it" may be. The second sentence is in the present perfect tense.
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DMWQuoteThank you DMW! How come you haven't earned the right to become a forum checker or administrator? I thought all native speakers would automatically get upgraded to those titles. Thanks again!
DMWIt sounds far too much like hard work.It's fine if you are knowledgeable, patient, tolerant, tactful and thick-skinned.