This was a pain, using netBeans IDE 7.2.
Add a resource folder to the src folder:
After the clean/build this structure is propogated into the Build folder:
To access the resources:
dlabel = new JLabel(new ImageIcon(getClass().getClassLoader().getResource("resources/images/logo.png")));
and:
if (common.readFile(getClass().getResourceAsStream("/resources/allwise.ini"), buf).equals("OK")) {
worked for me. Note that in one case there is a leading "/" and in the other there isn't. So the root of the path to the resources is the "classes" folder within the build folder.
Double click on the executable jar file in the dist folder. The path to the resources still works.