I know that when reading IP addresses correlated to computers the decimal point is referred to as a "dot." Otherwise I believe it is just "point," as in three point three percent . . .?
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You use the only "and" in the number.
For example 1234.56 is one thousand two hundred thirty four and fifty six hundredths.
Three and four hundred fifty-three thousandths.
0.608 is read as zero point six zero eight.
The word form of 4.14 is "four and fourteen hundredths." In this form, the decimal number is read as a whole number followed by the word "and" and the decimal portion. The number after the decimal point is read as a cardinal number (fourteen) followed by the appropriate place value (hundredths).
6.49 in word form is "six and forty-nine hundredths." This is the standard way to express decimal numbers in words, where the number to the left of the decimal point is read as a whole number, followed by "and," and then the number to the right of the decimal point is read as individual digits.
0.2415 is read as " zero point two four one five". This is so because after decimal point, we read the individual numbers, not the number as a whole.