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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