Controlling read access

[John Almberg]

I operate a server on which I am typically the only ssh user, but I  
do provide a small number of users ftp access.

Each user has their own home directory. Currently all home  
directories have read permission set for 'other'. This means if I log  
in as one user, I can read and even download the contents of other  
users home directories.

I want to block this read access. What is the best way to do this?  
Turn off the read bit for 'other'? Or is there some better way?

Thanks: John