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Could it be my ISP, settings, or even my computer?

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Computer Spec's:
3.60Ghz Processor (HT tech)
3Gb Ram
Windows XP
250 GB HDD
256MB DDR video card (ATI RADEON X600 PRO (PCI-E))
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Internet Spec's:
My ISP is Charter communications, they provide 3000/256Kb, which I have.
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Cablenut Setting's:
DefaultReceiveWindow: 384000
DefaultSendWindow: 32768
DisableAddresssharing: 1
InitialLargeBufferCount: 128
InitialmedBufferCount: 256
InitialsmallBufferCount: 384
LargeBuffersize: 92160
MaxFastTransmit: 80000
MediumBufferSize: 17680
PriorityBoost: 0
SmallBufferSize: 1536
TransmitWorker: 48
FastSenddatagramthreshold: 5120
Enablefastroutelookup: 1
EnablePMTUdiscovery: 1
IgnorePushBitOnReceieves: 0
GlobalMaxTcpWindowSie: 37960
MaxFreeTcbs: 8000
MaxhasgTablesize: 16384
MaxNomLookupmemory: 5000000
SackOpts: 1
SynAttackProtect: 0
Tcp1323Opts: 0
TcpLogLevel: 1
TcpMaxdupacks: 2
TcpMaxhalfopen : 100
TcpMaxhalfopenRetried: 80
TcpRecvSegmentSize: 1460
TcpSendSegmentSize: 1460
TcpTimedWaitDelay: 30
TcpUseRFC1122Urgentpointer: 0
TcpWindowSize: 37960
MaxConnectionsPer1_0Server: 20
maxConnectionPerServer: 10
Default TTL: 32
DisableUserTOSSettings: 0
TcpMaxDataRetransmissions: 6
DefaultToSValue: 92
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Ok, now that I have all that bull----**** done.


I'd like some advice - What should I do/or what do my settings need to be?
Is my ISP just a piece of ****, which I think it is.....
But I don't know, lol. Please tell me!
Thanks.