Ok I did an install to my public html folder which is my root but now when I type in http://www.jodeewebhosting.com/ I get my index.html page but I want http://www.jodeewebhosting.com/index.php which goes to this page http://www.jodeewebhosting.com/modules/news/ so my question is should I just take all files off my server and just start over installing XOOPS as I do have a back up files on my pc just in case it goes wrong

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No you shouldn´t reinstall.

Xoops just comes only with an index.php.

The problem is that there is still your old index.htm or/and index.html lying around in your root directory from your previous website.

Depending on the configuration of the webserver from your hoster it will look for different files when someone is trying to only enter your url 'www.jodeewebhosting.com'.

It will check for example like
- index.htm
- index.html
- index.php
- ...

And whatever it finds first will be shown to the user. In your case it is the old index.htm.

So just delete or rename the index.htm to something else like index_old.htm if you still need it and everything should be fine.

Thank you that worked I thought I had changed it but didn't