Need the following rights when a user creates a file as the default.
I think I need to change the umask. What file do I change and what umask do I need?
Umask isn't usually a file. It's a command you run, usually in one of the startup files (/etc/profile, the user's ~/.profile, ~/.bashrc or something like that.)
The umask you want is "013". The rule for a umask is to start off with full permissions (777). Then subtract the umask from that. In this case 777 - 013 = 764 (7 is rwx, 6 is rw-, and 4 is r--, which is what you want.)
bashrc is set umask 0000.
If you mean there's a "umask 0000" in .bashrc, then change it there. If you don't mean that, I'm not sure what you mean, because a file can't be "set umask". (You might be getting that confused with setuid, which is a slightly different animal.)
Hope this helps,