The isp promotes their access speed, but as you can see, upload and download are two different speeds. If you were in Tulsa, and you had Cox as a ISP, and you are paying for the 9 mghz service, and you are doing downloads at 4000k and uploads at under 1200, then you are paying for a service you are not getting.
I noticed some of the people here talking about dial up. And some of the dial up services brag about their compression accelerators that allow a 56k modem to upload or down load at speeds reaching those of dsl. This is a way to check it. Even if the modem is 56k, oftentimes mediocre or old copper lines are "dirty" enough that it will slow the transfer rate to under 30k.
And remember, particularly if you are on dsl, your speeds will vary according to usage of the area. When dsl first came out my speed was best in the middle of the night or during the middle of the day. early evening it was as slow as dial up. But the isp's advertise their top speed capacity, not reality.