How to call Static Block XML or Phtml file + Magento

We are assuming  that you know how to add the static block through admin.We can add the Static block in any page through two ways

Add through xml

<block type="cms/block" name="cms_test_block">
                <action method="setBlockId"><block_id>test_block</block_id></action>
</block>

Through phtml files

<?php echo $this->getLayout()->createBlock('cms/block')->setBlockId(' test_block')->toHTMl(); ?>