Try the next (with the full path package):
InputStream inputStream = ClassLoader.getSystemClassLoader().
getSystemResourceAsStream("com/company/resources/howto.txt");
InputStreamReader streamReader = new InputStreamReader(inputStream, "UTF-8");
BufferedReader in = new BufferedReader(streamReader);
for (String line; (line = in.readLine()) != null;) {
// do something with the line
}