Thank You SB65
I tried that with the help of:
to make sure I was doing it correctly - however, i did review some of the server files & noticed they used html files to forward/redirects.
There was a highlighted special attention block on the above website - that stated to name the .htaccess as a htaccess.txt then rename it once on the server to .htaccess
I tired this method to the folder "folder.htmI" - just calling it 'folder" to upload, then once on the server - renamed it to folder.htmI
originally uploaded - it's icon on the sever was a blank white (unknown icon) - however with the above method - after renaming to 'folder.htmI' - once on the server - it retained it's folder icon & worked just FINE.
FYI - was using an html file with a meta refresh