Form and rules
How it works
Use the present simple for routines, permanent situations, facts and most state verbs.
Use the present continuous for actions happening now, temporary situations and developing changes.
Repeated behavior with always + present continuous can express annoyance: He's always losing his keys.
Some verbs change meaning: I think you're right describes an opinion; I'm thinking about moving describes an active process.
Choose the tense from meaning, not only from time expressions; today can describe either a routine or a temporary action depending on context.