please change your umask to: 037
  umask (to show current setting)
  umask 037 (to change current session)

  Please change permissions for all the files in your data
  dir to

     User can read, write
     Group can read
     Other can read

     chmod -R u=rw,g=r,o=r ~/data/* ~/data/.*
     chmod -R a=r,u+w ~/data/*
     chmod -R 644 ~/data/*


  Please change permissions for all the files in your scripts
  dir to

     User can read, write, execute
     Group can read, execute
     Other can read

     chmod 754 ~/scripts/*
     chmod u=rwx,g=rx,o=r ~/scripts/*



  Look at permissions for the Home dir

  ls -l /
  and look at the home entry

  cd
  ls -al
  and looked at the .. entry

  cd /home
  ls -l
  look at the . entry