What does -rw-r--r-- mean?

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1. The section starting with 'The Long Format'.

2. Yes.

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You probably don't need to use the 'user permissions repair' but this next page has some general info on permissions…

Troubleshooting permissions issues in Mac OS X

So does the file Niel linked to.

The next three fields are three characters each: owner permissions, group permissions, and other permissions. Each field has three character positions:
1. If r, the file is readable; if -, it is not readable.
2. If w, the file is writable; if -, it is not writable.
3. The first of the following that applies:
S If in the owner permissions, the file is not executable and set-user-ID mode is set. If in the group permissions, the file is not executable and set-group-ID mode is set.
s If in the owner permissions, the file is executable and set-user-ID mode is set. If in the group permissions, the file is executable and setgroup-ID mode is set.
x The file is executable or the directory is searchable.
- The file is neither readable, writable, executable, nor set-user-ID nor set-group-ID mode, nor sticky. (See below.)
These next two apply only to the third character in the last group (other permissions).
T The sticky bit is set (mode 1000), but not execute or search permission. (See chmod(1) or sticky(8).)
t The sticky bit is set (mode 1000), and is searchable or executable. (See chmod(1) or sticky(8).)