Say hello back to the ghost. And if you do not like the ghost calling out your name,then ask it to move on, and never worry or respond to it again. Thats what I would probly do...
Don't freak out! Ghosts can't hurt you physically. Do the normal thing you do when someone is trying to talk to you, say hi. :P :D :) It maybe be just trying to be friendly. :)
It's time you consulted a therapist if you think you can hear ghosts.
I guess I'd say "What?" I've never heard a ghost call anyone's name.
You snap your fingers and say "oh no you didn't"