FIOS is capable of 54 megabit networks, 20 from a high end cable package doesn't sound too out of place. They're probably paying an arm and a leg anyways.
Depends on where you are located i guess. Comcast is our only high speed ISP available, they are currently charging us 40-50 bones a month for a 4 Mbps plan. It's only supposed to be $24, but they charge an extra 20 for taxes an other made up shit to leach more money out us.
Go to speedtest.net. Select the yellow triangle to begin the test. After the test, you'll se a heading that says "Share Your Results." Below the heading, you'll see a box that says "Forum Link." Click the "Copy" button and paste the code into the reply box in the forum.