I use the words 'tool', 'muffin' and 'Spanky'.... lol... people hate being called Spanky.
Also, if you know somoene's name, if you really want to cheese them off, call them a different variation of their first name - but don't draw attention to it. Chris Jericho used to do it all the time, and it would be downright annoying.
Examples:
Michael = Mitchell
James = Jason
Rob = Ron
Gerry = Gary
... and so forth.
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