You can go to http://speedtest.net and test your DSL download speed.
What this will give you is the speed in Mbps, which is Millions of bits per second.
Internet bandwidth speeds are measured in bits per second. For example your 3 Mbps Qwest DSL plan can download data at a maximum of 3,000.000 bits per second. (notice bits not bytes)
However, in the real world files are measured in Bytes, KiloBytes, MegaBytes, etc.
A byte is 8 bits so, 3,000,000 / 8 = 375,000 bytes per second. A kilobyte is equal to 1,024 bytes, so 375,000 / 1024 so maximum download speed is 366KB/s.
Every packet of data is checked for errors and resent if they exist. Overhead in the transfer of data takes up some more.
Also the speed and load on the server you are downloading from has to be accounted for. When you try to download a file or web page, there is much overhead involved. The file may be on a server located in China. Your connection may have to be routed through 15 or 20 hops (different locations) to reach the server. Each server has a delay (latency) due to the distances that the signals must travel.
Now the server has to process your request, depending on the speed of the server this could take many milliseconds, and returns your data in packets (small chunks) back through all of the hops to finally reach your computer. This process must be repeated until your file or web page finally gets to your computer.
In this example your 3 Mbps Qwest DSL Internet connection can download at a maximum of about 300KB/s, However many variables such as file location and Internet traffic can slow this considerably.
A rough estimate can be made by dividing your Internet speed in bps by 10. With your 130 KB/s file download speed I would estimate you have a 1.5 Mbps DSL connection.
If you check your connection speed http://speedtest.net and it is not what you are paying for, then call Qwest and complain.
Good Luck...