Ok, after much fiddling around I found speech recognition was not checked under Setting - Speech. Got the microphone, but why on earth does the text window go away when you voice-to-text and then reappear only after you are done dictating/talking? Only then can you see the mistakes it made! With Android you can see each letter being spelled out and catch mistakes as you're talking. Also with Android you can insert punctuation just by saying.. "period", "question mark" etc.. With Windows it spells the punctuation words out!
I'm just not liking Windows Phone so far at all. I WANT to like it, I REALLY do! But it just seems you have to take three steps to get anywhere compared to Android. So after every sentence in a text using voice I have to stop, close out the voice window, insert a period or other punctuation via the keyboard by hand... then hit the microphone again... start my next sentence via voice.. go back to the keyboard to polish... and so on and so forth? This CAN'T be the only way.