Never mind, I finally found it.  For other having
the same
problem here is a Link to the Microsoft KB on how
to...
http://support.microsoft.com/kb/318761/en-us

Unfortunately I lost the info I had previously
gotten
which was to make a change somewhere IE, Excel or
? and then when you choose CSV as your file type
for
a download, it then automatically gives you the
choice
to save or open.  When you open the file it is in
an Excel
worksheet and then you can save it into the Excel
format
if you want.