maybe when you start having the problem often, try running a speedtest. There are a few out there that you can find easily with google. I think one is called speedtest.net or something like that and there is one in the tools at dslreports.com as well. With cable internet, your entire neighborhood normally shares a certain total amount of bandwidth. So, sometimes during peak hours, the transfer speeds might be limited. Worth a shot anyway.
Mine seems to be pretty consistent and I have cable as well. But it may depend on your area and if your provider has oversubscribed your area or not.
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