You've got to remember as well that for your wired connection showing 100Mbps, that most of the time your computer can connect to the switch/router at that speed. That does not mean you are really surfing the net at more than 10 Mbps, just that's the speed you connect to the router at. Likewise, if you have a 802.11g card in your laptop, the spec for that is that it can connect at 54 Mbps, which means that again, it's showing that default speed there, but does not mean you are connecting to your ISP at that speed. These are just standard default speeds that most switches and wireless connections use.
If you really want to know your true internet speed, visit speedtest.net it should give you a clearer idea if you are or aren't getting the speed you are paying for.