I never just answer the phone unless I know for sure who is calling and want to talk to that person.
When at home, if I'm doing something I don't want interrupted, I just ignore the phone and check messages later. If I have the phone on, I screen, and seldom pick up. Most of the time it's a telemarketer. Heck, most of the time, the caller hangs up with no message left, saving us both some wasted time.
On my cell phone, people who I want to talk to have personalized ring tones, and if I get a generic tone and don't recognize the number, I don't answer. I also set it to "away" if I'm in class, at a public performance of some type, or driving, check messages later, and return calls at my convenience.
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