Strange, NetBeans has a lib directory (called "Libs") for me. Are you
using JRuby/Glassfish? I think a glassfish directory layout for Rails
is a bit different than normal, but it should still have a lib or
lib-equivalent directory.
You can add more directories and name them whatever you want
though. Then you have to indicate in your environment somewhere that
the loadpath should include those directories (actually, I think they
automatically get included if they're under the app directory, unless
they're a subdirectory, such as app/models/subdir, but I might be
wrong).