Question

1. Which tense do we use for habitual actions ?
2. Which tense do we use for actions in progress ?
3. Which time expressions do we use wits each tense ?
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Answer 1

Present simple is used for habitual actions.
Present continuous is used for actions in progress. 

"I am" can be used for both Present simple and Continuous. 

Например:
1. Are you a singer? / Yes, I am. (present simple) 
2. Are you singing? / Yes, I am. (present cont.)