In a nutshell, you need to use File Transfer Protocol (available through an FTP client or web publishing software) to upload your files to your webpages directory our web server.

Server: ftp.xyz.net
Directory: /home/xyz.net/username/webpages/

This can summed up with the publishing URL (as asked for by Netscape),
ftp://ftp.xyz.net/home/xyz.net/username/webpages/
or (as asked for by Microsoft),
ftp://ftp.xyz.net/webpages/

You also want to name your main webpage, home.html (or home.htm or HOME.HTM).
This is the default document name on our web server. This means if our server is requested to show the contents of a directory, and if home.html is present in that directory, it will instead serve home.html. For example, the address http://www.xyz.net/~chrisdoe will normally just list the files in the directory /home/xyz.net/chrisdoe/webpages/ on our web server. If they put their page in that directory named mypages.html, they would have to tell their friends to go to http://www.xyz.net/~chrisdoe/mypages.html. Naming their main page, home.html, they can address their page with the shorter, http://www.xyz.net/~chrisdoe.