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what do i type in a browser,s address bar for virtual server user to view their web page / home page
this user also have e-mail and ftp access and space for a small home page / web site
Well, typically, you'd enter the users domain name into the browser to view their site.
If you're saying they don't have a domain name of their own, there's a couple of ways to solve that:
You can view the site using Services -> Preview Website
You can make an alias, using a working domain on the server. For example, if your servers domain name is example.com, you can use "Create Virtual Server" to add an alias called something like user.example.com that would go to the users site.