I answer it depending on who it is (I'm gonna use my home phone, since no one ever rings me on my mobile). I look at the Caller ID, first. If it is no one I know, or a private number, I will answer it with "Hello, Mathew speaking." If it is somone I know (family, friends) I will answer it with "Hi ________." And finally, if it is one of my good friends, I will answer it with "We don't want any", hang up, and call them back. I love doing that.