On 11/08/2010, at 6:11 AM, Steven Knowles wrote:

> 'm guessing that I'm going to get told that if I want a multi user machine, I 
> should be filing my own "not for everybody" stuff somewhere within my Home 
> folder, but thought I'd best check with the experts before I start 
> reorganising my whole filing cabinet.


You got it.  User level documents should be kept below the User level not at 
the root level of the drive which should be reserved for System created 
folders. Anything that needs to be shared should be kept in the shared folder 
under Users.
This didn't matter in pre OS X systems and many Mac users happily kept their 
stuff there.


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