I normally don't say the punctuation at all. I say "scalar somescalar", "array odds", "default variable" (yes, I know -- "default for what?", "it's not the default variable for everything, why do you call it that?!?!",etc ... but most of the time, people seem to know what I'm talking about, so it's what I call it) -- this makes it much clearer when both talking about it, and thinking about it.

It becomes more handy especially when dealing with references -- @$stuff would not be "at symbol dollar sign stuff", but would be "array referred to by stuff" (since all references are scalars, it's implicit that if it's referring to something, it's a scalar).