so my plan is 1.5-3mbps well its at 1.8 im just wondering y its not 3 & also y when i download the max transfer speed is around 190kbps-206kbps?
Without seeing your transceiver statistics, it is hard to know what you actually have. Verizon does quote speed in bits per second, however many download programs quote speed in bytes per second, and as the other poster pointed out there are 8 bits per byte, so the bits per second should be 8 times the bytes per second.
As to your actual speed, please post your transceiver statistics. That will tell you exactly what speed your link to/from the Central Office is.
That speed is the LOWER of either your provisioned speed (probably 3mbps/768kbps), or the highest speed your modem can successfully negotiate with the Central Office Equipment. That speed is sensitive to the distance you are from the Central Office, and the condition of the copper pair that connects you. A copper connection that work just fine for telephone service, may have very high losses for DSL use, which would reduce the maximum negotiated speed.