The best way to do this is to use AT&T's Natural Voice Demo, It's the best "Speech to Text available". You can choose from a bunch of voices to demo:

http://www.research.att.com/~ttsweb/tts/demo.php

Just go there and enter "Billbo Baggins is Calling" with the voice of your choice. It lets you download and .mp3 or .wav file of it.

I have it for all my contacts, so when a friend called it says "Bob Brown is Calling"

It's very, very useful. You can use garageband or many tools to upload to new ringtones you create.

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