As an obvious question - if you take the Netgear out of the equasion does it again rise back to 1.3mbs?
If so, I'd look at NIC settings on your PC and the router and match 10/100. Use fixed settings both ends if auto is an option (be sure to set both ends)
Depending on your NIC, I'd stick to 100Mb Half duplex on both as well. Some PC NICS might support 100full but actually run really badly.
What service is your DSL - PPPoE (Point to Point Protocol over Ethernet)? If so, did you remove PPPoE from your NIC when installing your Netgear?
If still bad - you _could_ try new firmware for the Netgear, or you could replace it with a Linksys... ;o)
Hope you sort it out,
Peter.
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