You don't _need_ a network card, but it can make life a lot easier for getting files across and of course, for retrieving video files off your TiVO.
Yes, you can easily set up your tivo to use it's inbuilt modem (Have the modem checked before you purchase the TiVo) and check that your ISP will support PAP (?) connections.
I have my two tivos connecting to my ISP individually via their in built modems no problems.
Good Luck
ZollyMonsta
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