I have Verizon Fios 75 down and 35 up. I have been doing speedtests since I have gotten my upgraded service. I live in VA and been having alot of speedtests flucuations just from the DC server. Only a third of the time I get the speed I should be getting which is 88 down from DC. When I speedtest to texas I get about 35 and to the west servers I get about 15 down. I dont even want to try the overseas servers. I just found this link on the web today to improve network performance. I followed all his steps and then went back on testmy.net and tried the same servers I have been trying before. Now I get 88 down from every server in the US. I went and tried the amsterdamn server just to see if it isn't a fluke and I got 50 down from amersterdam. Here is the link if anyone else is having issues with testmy.net not even coming close to what your paying for.
http://www.romaco.ca/blog/2011/01/28/how-to-speed-up-windows-7-networking/
*note* I didn't adjust the jumbo packet option because I didn't have that option on my desktop or laptop NIC. I just adjusted the other two options.