Although the lazy version is just to say "point" whatever, the correct way would be to refer to the numbers after the decimal point by their decimal place. For example, 1.44 would be: One and forty-four hundredths, or 2.333 would be: Two and three hundred and thirty-three thousandths.
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16.2 written in word form is: Sixteen and two tenths.
32.032 is written in word form as: thirty-two and three hundred thirty-two ten-thousandths.
10 written in word form is exactly how it is read - ten. Other forms: Expanded form: 10 (simple) Standard form: 10 (also simple)
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).
3.0059 = three and fifty-nine ten-thousandths.