At home, I just say "Hello?"
At work, with an internal call, I answer with "This is Barb" (because it's a coworker calling me).
At work, with an external call, I say "Good morning/afternoon, [name of company] marketing, this is a Barb.
At the end, it's anything from "Okay, love you too, see you soon" to my husband to "Okay, thanks. Bye."