New Iphone iPhone app that takes dictation for you, from a well-known company in the speech recognition field. I have seen their dictation program that is specific to the medical field, and it works well.
What’s interesting about the new iPhone app with regard to punctuation is that you can say the names of the punctuation you want (period, comma, quellipsis [a man's gotta dream, right?]), and the app will add them for you.
Looks like it’s free for a while at least, so if you’ve got an iPhone, check it out.