Continuous Tenses

Farah writes "I am knowing the answer", thinking any verb can be made continuous by adding "-ing". Her brother says this does not work with "know". Who is right?

Sameeksha writes "While I read, the bell was ringing", thinking the action that started first (reading) is the one that should be continuous. Her sister says it should be the other way round. Who is right?

Kartik says "I am living with my uncle this month" — but his friend says the continuous tense only works for this exact instant, not a longer period like "this month". Is his friend right?

Ishaan writes "While I was cooking, she cleaned the room", thinking only one verb in a sentence can be continuous. His teacher says both actions were happening at the same time here, so both should be continuous. Who is right?