東京に住んでいる I live in Tokyo
Me: "Where do you live?"
Student: "I'm living in Saitama." (Natural Japanese would be "埼玉に住んでいる" )
BUT...
A native speaker would say:
"I live in Saitama." This is natural :-) 自然な英語です!
動詞+ている = verb+ing
している = doing
私の自転車を乗りている。I'm riding my bicycle.
This means the action is happening now.
But in English if we do something often we will use the simple form of the verb without ING. For example:
I ride my bicycle every Saturday. NOT I'm riding my bicycle every Saturday.
Harvey drives to work every day. NOT Harvey is driving to work every day.
I play the guitar. = this is my hobby or something I do often.
I’m playing the guitar. = right now!