Apache and mod_userdir

Hello again eveyone (I know...I'm here alot :P ).

I have been working on a project of my own to setup a webhost right here in my house...for now. I have so far gotten the server and ftp system all figured out and working. I have setup the mod_userdir to public_html. In my own account (rich) I can view my webpages correctly going to http://richgannon.homeip.net/~rich/ but when I go to another account I just setup through UserDrake ( http://richgannon.homeip.net/~tycoon/ ), and added the correct folder and put in an index.php file, i get a Forbidden page. I tried messing with the chmod a bit, but no luck.

What is the prper chmod level of public_html directory (and all dirs/files conatained in it)? Also, is there a way to force the chmod on all incoming files and created directories through FTP?

Thanks alot!

Alright, as usual, I have played around enough with it to figure it out....I had to chmod the whole users home directory to allow all users to enter.