With the various fall and winter holidays upon us, we know everyone is busy. Here is a short list of food safety precautions to take during this holiday season. As always, enjoy the fun and have safe holidays this year.

Food Preparation:

• Before cooking or preparing anything - wash your hands! In between working with different dishes - wash your hands!
• Wash all fruits and vegetables. Even those with tough outer skins that you do not eat. When slicing these, the knife may pick up bacteria from the outer skin.
• Thaw meats in the refrigerator overnight. Never leave them on the counter to defrost. If defrosting in the microwave, make sure the meat is cooked soon after.
• If preparing a turkey, make sure it is completely thawed before cooking. Cooking a frozen turkey can lead to uneven cooking with the inside not being up to temperature. According to the FDA, a "20-pound turkey needs two to three days to thaw completely when thawed in the refrigerator at a temperature of no more than 40 degrees F. A stuffed turkey needs 4 ¼ to 5 ¾ hours to cook completely."
• If marinating food then do so in the refrigerator - not on the counter! If you want to have extra marinade to use as a sauce later, make sure to separate a portion ahead of time. Never reuse marinating sauces!
• Do not reuse any batter or breading that has touched raw meat.
• Use one plate for raw meats and another clean plate to take cooked items to the serving area. Never use the same plate. The raw juices can contaminate your cooked meats and side dishes.
• Unattended cooking is the leading cause of home fires in the U.S. When cooking for holiday visitors, remember to keep an eye on kitchen projects. If you are faced with a grease fire, remember, put a lid on it, and turn the heat source off!
• That evil mayo - did you know according to the Department of Health, it is not really the mayo that is making those deviled eggs a dangerous game of chance. Instead, it is the fact that when making cold salads usually the ingredients are mixed together when still warm creating a breeding ground for bacteria. Instead, chill all your ingredients separately before mixing them together.
• Use ciders labeled as pasteurized, or bring unpasteurized cider to a boil before serving. This is especially important when serving cider to people with weakened immune systems.

At the Table:

• So you have guests over and have set out a brunch style breakfast. If you have late risers, consider these times when leaving items such as milk or cooked meat on the table:
  - These foods are safe to leave out: Dry foods such as nuts, crackers, baked goods, breads, hard cheeses and candy don't support bacterial growth. Fruits, pickles, jams and jellies are too acidic for most bacteria.
  - Anything else should be discarded after sitting out for 2 hours.
  - To save milk or soy, make certain they are kept in the refrigerator instead of on the table.
  - An alternative is to keep cold items on ice. However, the ice will still need replacing every two hours or so.
• Supply plenty of clean plates and utensils. Encourage guests to get a new plate if theirs has been sitting out as they waited between helpings.
• Do not add new food to a serving dish that has been sitting at room temperature for more than two hours.

The Cleanup:

• Refrigerate any left over food within 2 hours of its initial serving. If the temperatures are higher, then 1 hour or earlier. Meat should be be kept hot for serving (140°F) and unused meat should be refrigerated immediately as it cools. If you have too much left over meat, make sure to freeze whatever you won't eat within the next 2 days.
• Use leftover turkey meat, bones, stuffing, gravy and other cooked dishes within two to three days.
• Cut up any leftovers before refrigerating so they may be spread out in a tray. For meats like roast beef, this helps to make sure the meat cools at the same rate.
• Date leftovers - you'll appreciate it a week later when you've forgotten what food is from which feast.

Holiday Specific:

Turkey Fryers:

- Always use outdoors away from anything flammable. 
- Use on cement or stone surfaces - not on a wooden deck!
- Do not leave unattended. It is a very good idea to not have children and pets in the vicinity, better if they are inside. If they must be outside, make certain they are watched very carefully! Do not allow children and pets near the fryer as it cools after use either.
- Make certain the turkey is thawed before cooking - water and oil don't mix!
- Check the oil temperature frequently and immediately shut off if the oil begins to smoke. 

Mail Ordered Food:
- If sending mail ordered food as a gift, let the recipient know so they may know to look for the package.
- If you receive any mail ordered food, make certain to check that items that should have been kept cool were packaged properly.

Candle Decorations:
- Do not use candles on evergreen or natural trimmings.
- Use nonflammable holders and make sure they are placed where they cannot be knocked over easily.
- Do not keep candles lit in rooms that is not occupied/supervised.
- Check your candles as they burn. Some will burn unevenly and may finish sooner than you expected.
- Do not leave children unattended around candles and matches/lighters.

More

USDA Food Safety - Cooking a Turkey 
ttp://www.fsis.usda.gov/fact_sheets/Countdown_to_the_Holiday/index.asp

USDA Food Safety Ask Karen
http://www.fsis.usda.gov/food_safety_education/ask_karen/index.asp#Question

USDA Cooking for Groups
http://www.fsis.usda.gov/PDF/Cooking_for_Groups.pdf

RI Food Safety Education - Kitchen Thermometers
http://www.uri.edu/ce/ceec/food/factsheets/therm.html

You have evaluated the neighborhood and find that your improvement is consistent with general aesthetic and size parameters. You plan to remain in the house for some time. You find that a second mortgage payment will not strain your current monthly budget. You feel you can devote a certain amount of time towards planning the project. And finally, you are really sick of waiting in line to go to the bathroom in your own house!

Your next step is to create a project budget. Decide how long you plan on staying in your home. The length of time you intend to stay in a home will affect how much money you should invest in it. If you are going to stay in the home for more than ten years, you should spend as much as you are able to create the home of your dreams. Make a list of all your debts. You should include any debts you pay on a monthly basis, such as mortgages, car loans, credit cards, and any other items with a fixed monthly payment. This list should not include payments for groceries, utilities, telephone services, or other general expenses. Call this list your monthly expenses. Determine your total gross monthly income. Include all sources of income that you would list on a loan application.

You are ready to determine a project budget. Use the following steps for this process; I have plugged numbers into the formulas to demonstrate how each works.

STEP 1
Lenders use a simple Debt-to-Income (DTI) ratio to determine if a homeowner can afford the additional debt of a remodeling project. DTI Enter Your Total Monthly Expenses $2,860.00 Add the Estimated Monthly Payment for the Project +$775.67 Total $3,635.67 Divide the Total by Your Gross Monthly Income $7,950.00 DTI = 45.7% Each lender will approve loans at a specific DTI percentage (most lenders will tell you what their set DTI ratio is, if you ask). In this example, let us assume that the lender accepts DTI ratios of 45 percent. You are right at the cusp of qualifying. Provided your credit rating is good and you have plenty of equity in your home you will most likely be approved for this loan.

STEP 2
The next step is to determine the maximum monthly payment you can afford for remodeling. Multiply your monthly gross income amount by the lender's maximum DTI allowance, and subtract your current total monthly expenses, excluding the estimated remodeling payment. Gross Monthly Income $7,950.00 Lender's DTI ratio x.45 Subtotal $3,577.50 Less Total Monthly Expenses -$2,860.00 Maximum Affordable Payment = $717.50 Use this figure to determine the maximum available to you to borrow. In this case we assume that the home improvement loan is a fifteen year note at seven percent. The maximum you can borrow is forty-seven thousand dollars for your project given this monthly payment. There are many different options you can explore with your lender during this process. These options can sometimes increase the amount you can borrow; it is best to discuss this thoroughly with lenders. We discuss financing in more detail in the next section.

STEP 3
The final consideration for your budget is if there is any available cash to supplement what you borrow for the project. These are funds not being set aside for future financial obligations such as retirement, college, or other major purchases (like a new car). They are not required for monthly or general expenses as well. In this example let us assume that you have three thousand dollars in excess funds available for the project. This brings your maximum project budget to fifty thousand dollars. The budget now becomes the overriding parameter that drives the project. Every decision from this point forward is made according to the limits set by the budget. The next thing to consider is the percentage of the budget necessary for contingencies. Contingencies are unexpected items that present themselves during the course of the project. The guideline is to set aside between five and twenty percent of your budget for contingencies. The actual percentage depends upon the complexity of the project. For instance, a new roof generally does not require other ancillary items be repaired or altered in order to install the roof. Therefore the minimum contingency of five percent is usually sufficient. On the other hand, a large addition to your home involves many more trades and materials that likely require the maximum contingency of twenty percent. As a rule if any portion of your existing walls, floors, or ceilings must be demolished or opened up in order to install the new materials you need a contingency towards the maximum. Although a professional architect and/or contractor have vast knowledge of the construction process he or she does not have X-ray vision. Often times there are situations that complicate construction contained within these areas that cannot possibly be known about until the area is opened. For our example we will assume you are putting on a small kitchen addition (referred to as a “bump-out”). Since you will have to open up an existing wall but the work area is concentrated to a small portion of the house a contingency of fifteen percent should suffice.

This means that the budget for actual construction that you present to the architect is forty-two thousand five hundred dollars. This is the parameter you want your design professional to use. You hold the seven thousand five hundred dollars in reserve to address any unforeseen expenses that occur once the project begins. You protect yourself from scrambling for extra funds in the middle of the upgrade; if you do not use all of the contingency, and there is no rule that says you have to, then you complete your project under budget (heretofore an unheard of occurrence in remodeling)!

No matter whom you talk to that is involved in a home sale transaction, whether it be the owner, buyer or real estate agent, everyone has a certain amount of reservation concerning a home inspection or “termite” inspection. But why, all that it entails is basically a visual inspection of the home and a short written report, right? So, who’s afraid of the big, bad home inspection? Everyone it seems!

Let me start by making an obvious observation. For most all of us, the single biggest investment we will make in our lifetime is the purchase of our own home. Not only is it an investment that we can’t have go sour, but we must make a comfortable, safe place out of the dwelling to protect and grow our families that we can live in happily and call “home”. And when we’ve outgrown or want a new/different home, we need to realize the equity we have built up in the property to help us purchase our next “home”. “OK”, you say, “I know all of this. What has this got to do with being afraid of home inspections?” Everything, actually, because it is well known that buying or selling a home is probably the second biggest stress we will encounter in our life. All the uncertainty and suspicions begin to “bubble to the surface” as the home sale process grinds on which skews our thinking, and sometimes our common sense. So, let’s look logically at what a home inspection has to offer for each participant in the home sale process. I want to start with the home owner who is thinking about moving and about to list his/her property for sale, because usually they are the ones that think they have nothing to gain from, and everything to loose from a home inspection. Nothing could be further from the truth.

No matter what “shape” the owner feels his/her property is in (good, bad or in between), the smartest thing they can do is spend the few dollars necessary for an accurate home inspection and “termite” inspection. Spending these few dollars in the beginning will save you major dollars and stress in the end. Possessing this information prior to listing your home for sale not only enables you to plan, but to price your property accurately. The information gleaned from the reports allows you to take care of any repairs that you feel you want to on your time schedule, and to obtain bids from various contractors for repairs you don’t want to tackle yourself, which could save you a lot of money in the process. When you do list your property for sale, you do so empowered with the knowledge that you know of, or have taken care of any repairs, and, you can go into negotiations with the buyer straight on because you have a “heads-up” on what the condition of your home is. This negotiating strength will allow you to realize as much of your equity as possible to be used to purchase your new home. Most real estate agents will appreciate this situation also because it takes most all the uncertainty and stress out of the equation, because, normally the inspection results are revealed shortly before escrow is to close and there is no time for obtaining bids or alternative actions, which can result in a “blown” deal with everyone unhappy.

Most everyone thinks that a home inspection and “termite” inspection are only for the “protection” of the buyer. That is only partly true. Sure the inspections are ordered to reveal any unknown/undisclosed issues. But, the buyer didn’t order and pay for the inspections to make the property out as garbage! The buyer likes and wants to spend and invest their hard earned money on the property and want to make it their “home”. As a prospective purchaser of a home and property, you want the inspection(s) to validate your decision to purchase that piece of property. You want to know what you are buying. You, of course, want to know what the big issues are, if any, but you also want to know the little things that will be an irritation or money drain before you sign the contract of sale. You want to make up your own mind as to what is acceptable as is, and what is not and needs to be negotiated with the seller. And just about as important, the home inspection is actually your first in depth “get acquainted” look at your new home because it covers information on so many of the homes’ components, systems, utilities and their locations. But even that is not all, if your home inspector is like most concerned inspectors’, he is your source for information you can turn to long after the close of escrow when everyone else involved in the deal has disappeared.

OK, I’m to the real estate agent and what the home inspection and “termite” inspection has to offer them. How about peace of mind? How about the good feeling inside that you have put together a home sale in which both the buyer and seller are happy and there is not going to be a bad case of “buyers remorse” now that escrow is closed? How about the fact that you are looked up to as an agent that demands full disclosure and still can close the deal BECAUSE EVERY BODY KNOWS WHERE THEY STAND AND WHAT THEY CAN EXPECT OUT OF THE DEAL! In the years I have been involved in inspecting homes, I can’t tell you how many times I have seen buyers follow through and close a sale of a home with major issues because they not only like the home, but because they are fully aware of its’ short comings and are mentally prepared to take it on. With truth and knowledge everyone comes out ahead. As I’ve been preaching for years, your buyer today is your seller tomorrow.

So in closing, there is absolutely nothing to fear from a home inspection or “termite” inspection except fear itself. These are “tools” to be used in a positive way to bring about a positive home sale experience, if you choose to use them in that way.
Ron Ringen owns and operates Ringen’s Unbiased Inspections, which is located in Sonora, California. Ringen’s Unbiased Inspections serves the beautiful gold country of California that includes the foothills and Sierra Mountains in the counties of Tuolumne, Calaveras and Amadore. Ron has been involved with the Structural Pest Control business for 43 years and has been a licensed Structural Pest Inspector in California since 1968. Ron is a licensed General Contractor (B) in California and has been since 1977. Ron is certified with the American Institute of Inspectors as a Home Inspector, Manufactured/Modular Home Inspector and a Pool and Spa Inspector.

Lately, when we turn on the news, we hear about a troubled economy and an unstable job market. The constant barrage of bad news has encouraged most of us to cut spending wherever possible. Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option. As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items. One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy. Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need. This said, it is far better to reduce coverage than to go with no coverage at all.

Before we discuss insurance any further, let us get this down now - it is not worth the risk to eliminate insurance coverage completely.

• For homeowners insurance, your mortgage lender will require that your home is at least minimally insured. However, it is possible to let your insurance coverage lapse if you don't pay your bills or mortgage. A few months lapse does not mean you lose your insurance right away. However, letting it go longer than a couple of months will leave your home uninsured. When you then try to reenroll your coverage, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured - you have become a higher risk client. If you do not reenroll and let your insurance continue to lapse, your lender can take action to protect their investment. A lender may enroll the house in an insurance policy which they then add to your loan payment. However, they will be the party to receive funds if the home is damaged (i.e. fire). Essentially, you will be forced to pay for an insurance of their choosing (maybe at a higher rate) but you will not receive the benefits of the original coverage under your name.
• Basic automotive insurance is required by law in most states. If you are driving uninsured, you could be faced with a lot of out-of-pocket expenses as well as legal fines if you are ever in an accident. Again, if you drop insurance coverage and reenroll later, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured as you are a higher risk client. For a chart detailing the amount of coverage required in your state, click here to visit Insure.com. Before you cut your auto insurance to the bare minimum listed, consider some of our insurance shopping tips listed below that may help you lower your costs.
• Finally, what about health insurance? It is estimated that this year the number of Americans without health insurance is as high as 52 million. Most Americans rely on their employers to help cover some of their health insurance cost. However, as premiums rise for companies, they are forced to increase the contributions of their employees. So in today's economy, both those with jobs and those who have lost their jobs are struggling to keep affordable health insurance. Everyone should have health insurance to offset the astronomical cost of emergency health care. Those without insurance may find that the ambulance ride alone may break the bank and leave them with more debt than they can possibly afford to repay. Below we have provided some strategies for obtaining cheaper health insurance.

The above said, let us see how you can cut some of your insurance rates!

Cutting your insurance costs does not mean you should go without coverage. Instead, be a savvy consumer and do your research and shop around. Recently an insurance company ran an ad where they asked consumers how long they shopped for their car and received answers from a week to even a couple of months. When they then asked how long they shopped for insurance, there was a pause and the usual answer of, "Er, uh, less than an hour." This commercial proved a good point about how many people approach shopping for insurance with less care than the big ticket items to be covered. Here are some shopping tips to help you find the best price and coverage.

Strategies for obtaining discounts on home, automotive, and health insurance: 

SHOP before you DROP your money! As the commercial we used as an example above, and as we keep mentioning over and over, nothing can beat comparison shopping. Use the web to your advantage as there are so many quote and comparison sites available. If you aren't comfortable with the web, do some calling around to your local agents. It is worth your time and money! 

Considering the online insurance option? You may give up on some individualized care, but the cost savings may be worth it. Consider these PROS and CONS before you buy online insurance coverage:

The PROS - There are many benefits for utilizing online insurance:

• Easy Comparison Shopping: Using insurance websites, you can compare coverage and prices on almost any type of insurance. You can also browse the individual insurance carrier websites once you have narrowed your search. Almost all companies now have libraries and tools for you to learn more about their services online.
• Your Time Is Money: Shopping for insurance online can be done at any time of day. It is hard to get time away from your daily schedule to sit down and comparison shop with insurance brokers, or indeed, individual agents.
• Low Pressure: Let's face it, many people find it easier to stand firm without the person-to-person contact. Users feel they can be more savvy and better informed when every option is at their fingertips rather than relying on an agent's account.
• Save Money: Due to the time needed to comparison shop, the pressure to stay loyal to one company, and the uncertainty of other companies, some may lose money by staying blindly loyal to their insurance carrier. The online market allows for easy comparison shopping, less pressure, and research tools to learn more about other companies. By becoming well informed, you can work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar.

The CONS - Be aware of these complications when purchasing insurance online:

• Understanding Coverage Options: Without an agent to explain 'insurance speak,' you may not know all the coverage you may need. This is especially the case for those getting insurance for the first time. However, if you have discussed options with an agent before and have a generally good idea of the type of coverage you will need, this may be something that is manageable with a little extra research.
• Is that quote really a deal: All quotes may not be equal. Take care to examine all the coverage included with quotes. The online quotes may help you narrow your search, but should not be taken at face value because not all companies offer the same 'comprehensive' coverage.
• Buying Insurance Coverage In Your State: Not all states allow you to purchase insurance online. Some allow you to get quotes but still require you to meet with an agent before signing any contracts. Also, because the Internet clouds locality, you will need to make sure the insurance carrier is licensed in your state.
• Individual Customer Care: Do you really want to push 1, then 2, then 4 to talk to someone about your insurance coverage? Working with a local agent still offers the advantages of individualized customer service. They will also have a better knowledge of the coverage their carrier provides and can help you understand all of your options. They may also be aware of more discounts available to you that you may not know to ask for online. In this way they can offer better individualized care.

For more information about purchasing insurance online, read our article 'Online Insurance: Is Online Insurance Right for You?'

• Look for and Ask about Discounts: All insurance companies offer discounts, however, not all of them will offer a discount if you don't ask. Since not all insurance companies are upfront with all the discounts they offer, it is best to shop with this at the top of your list of items to ask about. Discounts are available for all types of coverage and include everything from being a long-time client to paying your policy in full (rather than monthly). Homeowners can get discounts by making certain upgrades to their home that make the home more secure and/or energy efficient. Automotive insurance often has the most selection of discounts ranging from a good driving record, a short daily commute, or even a high grade point average (for those student drivers in the house). Health insurers will give discounts for clients in good health - if you lead a healthy lifestyle with regular exercise, no smoking or drinking, you may find completing a health survey will save you money on your premium.
• Raise your Deductibles: By raising the amount you pay out-of-pocket in the case of an emergency, you can lower your rates substantially. Higher deductibles will mean that you may have to pay as much as $1000 or more out-of-pocket per event. However, it does provide a safer gamble compared to no insurance at all. For health care you may consider a high deductable plan for "emergency" or "catastrophic" insurance. These plans will only cover a major accident but, if you are in good health and don't need a lot of medications, this plan can help offset high rates. However, keep in mind that you will have to pay over $1000 out-of-pocket and these plans will not cover routine doctor visits. Instead, combine this insurance with a Health Savings Account for the best rounded coverage.

MORE Strategies for obtaining discounts on home and automotive insurance: Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. 

• Bundle to Save: Using one insurance provider to cover your home and vehicle can help save you money as most insurance companies provide a discount to get your business. This will save you money if you check with your current provider, but don't be shy, take advantage of online comparison sites or do some calling around. You may be surprised at the differences!
• Review your Policy: Make certain you review your policy at least once a year. There may be adjustments you can make in coverage. For example, as your car gets older and subsequently worth less than when you first bought it, you may find you need less coverage. For your home, you may find you have sold high insured items from your household or take inventory and realize you don't need to cover that old computer or entertainment center for as much as you did before. Examining your Personal Property Value may lead to areas you can logically cut coverage.

For more information about homeowners' insurance, read our article 'Understanding Homeowners Insurance.'

Insurance Company Rankings

• AM Best Company - Insurance Reports http://www.ambest.com/homepage.asp
• Consumer Reports (requires membership for ratings) http://www.consumerreports.org/cro/money/insurance/index.htm Standard & Poor's Ratings http://www2.standardandpoors.com/
• US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html

Online Insurance Comparison Sites

• Insurance.com www.insurance.com
• Quicken http://www.quicken.com
• InsWeb www.insweb.com Insure.com www.insure.com
• eHealthInsurance www.ehealthinsurance.com

Welcome back to Rocky’s Corner! Last month we started Part 1 of an 8 part series of Preventative Maintenance Tips for your Home. Series 1 dealt with maintenance checks that are recommended every month. Series 2 will combine a periodic checklist for every 2 months and a periodic checklist for every 3 months.

Every 2 Months
If you have a pressure type oil burner inspect and clean Range Hood Fan: Clean grease filter. This may be done more often than every 2 months depending upon the amount of cooking and or fry foods. If you find that the filter is corroded, you may need to consider replacing it.

Steam Heating System:
Test relief valve and replace if necessary, check pressure and drain expansion tank if necessary. Wall Furnace: Clean grills. Clean or replace filter.

Every 3 Months

Faucets:
Clean aerators-unscrew, disassemble and wash out debris. Fix leaky faucets quickly; a leak wastes up to 20 gallons of water a day and can ruin a faucet set. Consider replacing older faucets with new ones with washer less valve cartridges instead of rubber washers.

Dishwasher:
Professionally have the strainer, spray arm and air gap cleaned.
Pest Control: Consider hiring a pest control service to protect your home and family from insects, vermin and termites damage to your property.

Hot Water Heater:
Do not set any combustibles near water heater. Drain a quart of water from the tank four times a year to keep your water heater in peak condition. If you suspect a leak, you may have rusting through the bottom of the storage tank. Consult a professional.

Floor Drain Strainer:
Clean out debris and scrub strainer.

Tub Drain Assembly:
Clean out debris; inspect rubber seal and replace if necessary.

Join me next month for Part 3 of our series on Preventive Maintenance Tips for your Home. Visit us at www.freminshomeimprovement.com

As many of us look to stretch our dollar a bit further our money spent on entertainment is often cut. However, entertainment is a good way to relieve stress and get a quick break from the real world. Increasingly, the fee paid for an internet connection is offering a bigger return on the entertainment dollar. Improved connection speeds have created a mushroom of online content that allows users to watch streaming news broadcasts, missed TV shows, webisodes, viral videos (i.e. YouTube), free online games (and competitions), blogs and chat rooms - to name a few. Everywhere you turn, everyone is trying to get their movie, TV show, 15 minutes all noticed on the web. Television alone has morphed from episode summaries and casting lists on a single webpage to deluxe sites with missed episodes online, behind the scenes footage, games, screensavers, additional back stories and character development, and much more. So who is leading the pack with the best sites and content? Who is side-stepping the pack altogether? You might be surprised!

The Usual Suspects
Below is our ranking of the major broadcasting stations that are easiest to use and include extra online content.

1. NBC.com http://www.nbc.com/ NBC has a slick and clean menu and you can easily find episodes of your favorite shows. A great plus is that you can watch a whole season if you got lost a while back and need to catch up. Also, you don't have to watch the show the same week it originally airs. Videos load quickly and offer chapter selection to jump where you left off or skim through with ease. 
2. ABC.com http://abc.go.com/ The website is clean and easy to navigate. A big disappointment is that not only does the user have to sign an agreement but then download a special plug in just to watch online episodes. The entire site has a much more proprietary feel to it. However, they did redeem themselves a bit by allowing access to episodes from previous seasons for one of their most popular (and confusing) shows 'LOST.'
3. CBS.com http://www.cbs.com/ CBS has a fairly easy menu. The best is to go by show as viewing directly by video is a bit more messy and makes it harder to find past episodes. The option to watch TV and chat at the same time is slow to load (I gave up after two minutes of the loading icon spinning). Video without chat loads quickly and is just as fast as the other stations. Plenty of content about shows but the webpages have an older point-and-click menu that takes a bit longer to navigate. There wasn't a lot of clarity in the order of episodes if you were trying to catch up for the season.
4. FOX.com http://www.fox.com/ A slick moving website that is easy to navigate. However, FOX allows access to fewer full episodes then the other stations. The individual show websites offer a lot of extras but are not as clear to navigate.

Cable Networks
So if you don't subscribe to cable, who gives you the best online?

1. Discovery Communications Group Discovery Channel - http://dsc.discovery.com/ | The Learning Channel - http://tlc.discovery.com/ Animal Planet - http://animal.discovery.com/ | Science Channel - http://science.discovery.com/ This family of websites has a similar menu and limited selection of full episodes like FOX. However, the fact that current shows with new content is available is a plus compared to other cable stations. Overall, a great way to get highlights of what you're missing for chats around the water cooler. Also, the extra games are a nice touch.
2. Comedy Central http://www.comedycentral.com/ Full episodes are available for most shows. The individual shows do keep separate URLs which made it a little harder to navigate back to Comedy Central. However, all offered complete sites with extra content.
3. Disney TV http://disney.go.com/index This site has a slick design and offers plenty of content including games and fan pages for their most popular shows. One negative is there is almost too much content. Many 'teaser' videos play when the user enters a new page without being selected. Although some full episodes are available online, they are not necessarily in discernable order.
4. Nickelodeon http://www.nick.com Plenty of fun games and video bites for kids. Like Disney, there is background content that loads as soon as you enter a page. The pages are busy and harder to find content.
5. A&E TV http://www.aetv.com/ Not the easiest navigation at first. However, more episodes and clips of episodes are offered then on some comparable cable sites.
6. USA Network http://www.usanetwork.com/ A couple to a handful of episodes available of USA original shows. Some are available without commercial interruption which is a nice touch. However, not all series offer episodes for online viewing.
7. Bravo http://www.bravotv.com/ Some behind the scene information and recaps. Videos are offered with some full episodes. However, the navigation of videos is not user friendly and is geared more towards a fan who knows what they are looking for on the channel.
8. TBS.com http://www.tbs.com/ Again a required download of a plug-in before being able to view videos. Basically a collection of a few variety shows and reruns. There is not access to the movies, only their schedule.

A Brand New World
Sites without a presence on television but offering television/movie entertainment.

1. TV.com http://www.tv.com/ There is definitely more content on this website then some of its competitors. This site has a larger variety of shows and even news broadcasts are easy to search and view here. TV.com offers an easier navigation if you want to find information and summaries of a particular television show. However, the video interface is not as friendly.
2. Hulu.com http://www.hulu.com/ Hulu offers episodes of series from all different TV channels. Episodes are separated by genre rather than channel, but an easy search will help you find your favorite quickly. Interestingly, some episodes will load directly from Hulu whereas others will take you to the home website making Hulu act more like a search engine. An added plus are the movies. Many of your re-run favorites from Sunday afternoon can be found here. Load time is good, even for full movies.
3. Boxee http://www.boxee.tv/ This is a free membership website that dose require users to download their program. It checks all your media on your computer and then creates a one stop area for everything from photos to music. With an open source code it is intended to be manipulated by users so they can add user generated content. However, it is not really ready for all computer systems at this time and was overall frustrating to install. PC to TV or TV to PC? Considering the competition for your entertainment dollars, it should be no surprise then that many TV's offer WiFi connection to your computer to make certain you can enjoy all these extra goodies from the comfort of your couch. However, some computers are also pushing their new models of All-in-Ones aimed at being one-stop entertainment centers. These new computers are offering bigger and better viewing screens, more compact CPUs and easy plug and play for cameras, music players (iPod, Zune, etc.), and much more. Depending on your budget and your pocket book, there are some wonderful choices on the market already.