NOrmally when i ride & encounter other folks (i like to ride when it's not so busy) I say one of the following:

Evening, beep beep,-thanks
Morning, honk honk, beep beep-thanks
On your right-yo-On your right
Rider
Hello, honk honk, beep beep, excuse me-Often quite loud especially if it's a family-

I refuse to put a bell on my bike as it's dorky. I'll use my voice thanks.

If people don't listen to my calls, i am really mean & so want to run into the joggers or walkers (but i'm too nice)- I don't care if it's not nice, GET OUT OF MY WAY...MOVE!!!!

Beware if you ever encounter me...

c