Present Simple

Facts: People speak Italian in Switzerland
State verbs: I want, I believe, I hear
Habits: Neil arrives late

Present Continuous

Now: She is buying, His mobile is ringing
Temporary: He is taking a shower
Current action: Why are you laughing?

State Verbs (Never Continuous)

Emotions: love, hate, want
Thoughts: believe, know, understand
Senses: hear, see, smell