Magento Add Static Block through XML or Phtml

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(); ?>