With your eyes, honey. Just kidding! You read the number as "ninety-nine sextillion, eight hundred eighty-seven quintillion, seven hundred sixty-six quadrillion, five hundred fifty-four trillion, three hundred thirty-two billion, two hundred twenty-one million, one hundred." Just a casual stroll through the land of big numbers, no big deal.
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The number 4,000,000,000 is read four billion.
They're simply used for clarity - to make the number easier to read.
9116
To write 0.81 in words, you would say "zero point eight one." The number before the decimal point is read as a whole number, followed by "point," and then the numbers after the decimal point are read individually. In this case, "8" is read as "eight" and "1" is read as "one."
A first grade student isn't tested on the number of words read a minute. They are tested on how many words that they read correctly on a page.