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You need to tell useradd to create your home directory: useradd -m fox You might also want to add options for group(s) -g -G, login-shell -s etc. But don't worry - you can create your homedir now (as root using sudo or su): # mkdir /home/fox # chown fox:fox /home/fox See Arch Linux Documentation - User Management
If you want to change default umask to all user, add this line: umask 0002 to /etc/profile. Although any user can override this value by setting their own in ~/.bashrc. To calculate file permission generated by umask value, consider this formula: generated_permission = (NOT umask) AND default_permission where NOT and AND is logical bitwise operator ~ ...
There is a process flag in Unix/Linux called umask, interpreted as an octal number it says which permissions to take off a newly created file. The flag is inherited by child processes. Setting it for the shell makes all processes started later to use this value. Permissions as bits are 1 for x, 2 for w and 4 for r, which can be combined into an octal digit. ...
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