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Day1 (that is an f-close): Can quite possible be that your soon to be GF is cheating on her soon to be exBF with you. Noone in the comminity would recomment being in a LTR with a girl who has cheated, ie. the realtionship started with cheating, but it happens quite often.
this is phase 3, seen from the other side of the world. it happens. sucks, but if she is quick enough to end the other relationship, the cheating is little more than collateral damage.
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Beginning phase: I call this from day1 to the moment you are officially together (done with the paperwork, LOL). This is just dating, but also a sort of relationship. She might not be fully over her ex and fucks him, or just simply doesn't feel that committed to you and fucks around). Chances for her fucking other ppl really decraces after monogamy was agreed verbally.
as long as there was no exclusivity promise, I don't even consider it cheating. if I decide I want exclusivity, I will deal with that behavior, but it is not "cheating" by any reasonable definition.
once the paperwork is over, that's when it becomes "cheating". and that is when my jealous self starts knocking at the door and needs to be pushed back in the closet. it usually goes back to sleep in a few months if no weird vibes have come my way.
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Ending phase: and this is the bid deal. Statistics show that 70% of breakups are initated by women. And when (as I wrote one post earlier) a GF / wife is not feeling attracted anyomre, doesn't see common future, lost respect are really likely to cheat. After the idea of a breakup was born, it can take years to get to her actual breakup! She kinda wants to make the transition to finding a new mate smoother and wants to burn all bridges. It's easier for her to get to the point of no return this way.
men can do this as well as women.. my breakup ratio is more balanced than average (50% breakups initiated by her - 50% initiated by me).. only once did I initiate a breakup without having a plan B readily available
let's say that I see your point, but the kind of cheating that worries me mostly is the "right after paperwork is done". I am sure it has a lot to do with my first GF breaking up with me one week after we got official because she was still in love with another dude the whole time..