I have rarely been disappointed with [link=www.cuvaison.com]Cuvaison[/link]. I am not a white wine drinker, so their Chard, while reportedly very tasty, is not something I have firsthand experience with. Their Cabs and Merlots, however, are quite tasty.
My favorite wine is not available at retail,
V. Sattui, but they are more than worth the price of admission. Their 96 Morisoli cabernet is one of the better wines I have ever had, and that vinyard turns out great wine year after year. Their Zins are also fabulous, and as a rule I would recommend anything they pour without reservation, with the understanding that you get what you pay for. If you are ever in the Napa Valley, stop by their winery in St. Helena. You won't regret it. It is the only place I have ever recommended as a must stop at winery, and I have been to over 300 wineries in the valley and surrounding area.
If you want a good table wine, not shabby for $10 a bottle, try Coppola's Rosso. Let it breath and it should be nice and tasty with a meat meal.
A word on wine's age and handling. A young wine simply hasn't had enough time to mature. Reds, good reds, really need at least 3 years to be drinkable. Pinot Noirs are a little less, Cabs and Zins a little longer. Table wines will never really mature, so pop the cork, give it 30 minutes of open air (decanted, please), and get sloppy. White wines are totally different, and I have no opinion on any but Sauvignon Blancs. WHITE WINE SHOULD NOT BE THE TEMPERATURE OF A REFRIGERATOR!!!!
Let any red you drink breath. Young wines to mellow the tanins, older wines to let them bloom a bit. You'll enjoy them more, trust me.
You can find great bottles for less than $20. You will drink a lot of sh;t to find them, but they are there. You can drink a lot of sh;t for more than $20 a bottle, too, but you will find fewer on average.
I grew up in Napa, so I focus mostly on California wines, but there are a lot of international wines out there that are really f'ucking good, too, I just know fewer of them.