Thanks for the replies. Yes, I am aware of, and have the iPhone apps that allow for local file transfer.
We have a home network with a separate cable modem and router. Once when we lost the internet connection, I could no longer communicate with my PC from my iPhone over the WiFi using my home wireless, addressable IP webcams, LogMeIn, StreamToMe BDrive, Polkast or VLCStreamer. I use these services either when at home over WiFi, or over the internet when not at home. My wife said to use WiFi I needed an addressable IP provided by the ISP.
I was asking mostly because I didn't realize/understand if indeed an ISP is needed to provide an addressable IP to use these services. Seems to me if it is entirely local to the home, it shouldn't have anything to do with the internet or ISP. Just trying to understand how this works.
Hope this makes sense.