I just upgraded to OS X Mavericks and while looking for speech to text program I found one in the preferences (Dictation & Speech), found an ancient USB headset with microphone, plugged in and everything works.
I wrote this note using that program. The program allows you to configure a shortcut so that you can just use that to start dictating any time that your cursor is in a field which requires text input. My shortcut is to press either command key twice at which point a little microphone shows up with a little "done" button below --when I have finished speaking I can click on "done" or I can press the enter key or the command key again. Immediately following that a transcript of what I have just spoken appears. The microphone pops up and stays up until I press enter
Another Sample " my phone number is 360-323-1234"
Somehow the program knows when you want to recite a phone number. It requires an Internet connection, because the speech goes to Apple and then comes back
In my case luck has nothing to do with being prepared