Default access permissions
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.