the card is: Realtek RTL8188SU Wireless LAN 802.11n USB 2.0 Network Adapter
the channel is set to 20/40 if i remember it right, and it says it is the best possible setting per the manual.
it works ok now, have 3-4M speed, but still lower than the beginning of 10M when i set it up.
If happens again, i will change the router instead.
thanks