When you create a file or directory its access permissions are set to a default value. These are usually:

   rw-------
   
   gives you read and write permission for your files; no
   access permissions for the group or others.


   rwx------
   
   gives you read write and execute permission for your
   directories; no access permissions for the group
   or others.

Access permissions for your home directory are usually set to rwx--x--x or rwxr-xr-x.

• Changing default access permissions