To be accessible on your website, files must be readable by the world. The recommended permissions are 644 which will be read/write by you, and read-only by everyone else. Directories should usually be mode 755, which is read/write/execute by you, and read/execute by everyone else.

Also, your home directory must allow access by others so they can get to the public_html directory, but not necessarily directory listing access. The mode should be defaulted to 711 by us when your account was created, which allows full access to you, but only lets other users access a file if (a) they already know the file's name (ls won't show them), and (b) they have access to the file itself.

Click here for instructions on how to FTP with WS_FTP.