There's also TV Everywhere (TVE) access to your cable channels without a CableCARD, via the internet. Verizon FIOS offers this in several ways [details here], and an app like Channels DVR can use the same cable login credentials to stream and record those programs. Not all cable channels can be accessed via TVE, but most of them. And they don't offer the highest visual or audio quality, but it's good enough for many. For me it's certainly good enough for news shows. Everything else we DVR is on a channel available via OTA.