You own your own home directory, and, by default, this is set so that
you can read, write, and execute it and everyone else can read and execute
it. The default for files inside your home directory is for you to read
and write them and everyone else to read them. If you want, you can use
chmod to change the protection on your home directory so that "others"
cannot read or execute your home directory, but this is not encouraged.
It is better to change the protection on individual files. If you do change
the protection on your home directory, you should maintain "execute" priviledge
for "others". This will not allow people to see the contents of your directory,
but it will allow some utilities like finger to work properly.
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