You probably already have, but double-check that your ftp program is landing you at the root (HOME) folder of the correct user and that you can view and traverse the lazarophotography.com folder.
Next thing to think about would be if you've played about with any folder redirection settings in Panel so that the website is actually taking data from another user location on your server.
As Scott has suggested, it could be that your ISP has implemented a transparent proxy or caching system without letting you know (not uncommon) but the first thing to be sure about is that the data is actually being uploaded via the correct user credentials to the correct folder.
If you're sure you've covered all bases and are present at the board right now you could create a quick test.html page, upload it to your site using the ftp credentials you're having problems with and drop the link here (eg. lazarophotography.com/test.html). That would enable someone here to see if the files you're manipulating via ftp are indeed in the location that is accessible via your domain url.
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