Here's the thing. I once used a personal (non-admin) folder to store files. I was unable to access it via FTP. If this occurs again, I will be needing assistance again with that issue. But at least this issue is solved. I will move my files at earliest convenience.
You might have better chance of understanding if you follow this up by reading the entire manual. And have a good read around the wiki, and about linux servers in general.
It is just a case of the correct permissions. You may also be better off using say SCP which is more secure than FTP which is pretty insecure. There are other methods of accessing file remotely as well. The Wiki is your friend.
As long as you have SME set up correctly you should have no need of the admin account for files. You can have your own user directory available only to you, and shared directories available to anyone with the correct permissions.
If you get stuck then please ask - it is better to find the correct method than trying to bodge around it with the wrong one. That is the path to disaster.
In the article does it say WHY not to use admin folder for my files?I am the administrator and it seemed the simplest solution for keeping them out of the hands of other users of my server.
Because this is not a Windows world where you were blindly encouraged to just use an admin account and hell with the consequences.
In Linux you have a 'root' account which is god and can do anything. But it is clearly dangerous and lots of bad stuff can go wrong. For some long and complicated reasons buried in the mists of time, SME has an admin account as well that is very similar to the root account.
In Linux you are encouraged to keep those accounts special and treat them with the respect that they deserve. Just because you 'Administrate' the server, it doesn't automatically translate to being an administrative, user day to day.
Save your administrative powers for when you need to administrate.
You should do all your 'normal' day to day stuff with a normal user account that you can set restricted permissions so it can't do so much damage if things go wrong.
You can then add users to groups and give both user and group permissions on what they can and cannot see. A much more sensible and refined idea. There is a wealth of information online about permissions.
That is all extremely simple, and much much safer. You just need to learn how.