No, neither have IYou usually don't have an Applications folder in your home folder.
I've never seen one there...![]()
Some apps like to create one there for some reason. CrossOver is one example.I've never seen one there...![]()
You should have one as default.
Guys, check /System/Library/User Template/English.lproj. Do you have an Applications directory there?
This is the template which is copied when a new user is created.