Perfect Tense vs. Past Tense

Usually, the perfect tense indicates action that is still taking place "I have lived here for 10 years" indicates that you still live there, whereas "I lived there for 10 years" indicates that you no longer live there. You can use "Have been living" or "Have lived." The time adverbial phrase is preceeded by "for" (for 10 years) or "since" with a date (since 1972 or since last year.)