Did you do the phpinfo test??
Try that first. What do you get?
As for the ~user problem, here is the part of the httpd.conf file that covers the commands:
#
# UserDir: The name of the directory which is appended onto a user's home
# directory if a ~user request is received.
#
<IfModule mod_userdir.c>
UserDir Sites
</IfModule>
#
# Control access to UserDir directories. The following is an example
# for a site where these directories are restricted to read-only.
#
#<Directory /home/*/Sites>
# AllowOverride FileInfo AuthConfig Limit
# Options MultiViews Indexes SymLinksIfOwnerMatch IncludesNoExec
# <Limit GET POST OPTIONS PROPFIND>
# Order allow,deny
# Allow from all
# </Limit>
# <LimitExcept GET POST OPTIONS PROPFIND>
# Order deny,allow
# Deny from all
# </LimitExcept>
#</Directory>
Also, with the following directory should be the httpd files for all the users you have on your machine: /etc/httpd/users you can open any user.conf file and it should look something like:
<Directory "/Users/testuser/Sites/">
Options Indexes MultiViews
AllowOverride None
Order allow,deny
Allow from all
</Directory>
(By the way I'm 27 not 55!!
)
Anyway, do the following in the terminal:
cd /etc/httpd/users
ls
[ls will tell you which user conf files are available]
pico user.conf
[this'll open the file in the pico text editor but shouldn't be editable unless you use sudo]
Check the code to see if it looks like mine above (the <Directory> stuff)
But, do the phpinfo thing first as I said, but I reckon something is up with your Apache.
As for your php.ini file, I don't think this is essential at present as I was blissfully unaware of it's non-presence for weeks and getting through most things okay.
But if you want to check, then:
cd /usr/local/
ls
[at this point you should see a directory called lib. No? then you ain't got php.ini either since it is meant to be in the lib directory]
You can rectify this by copying an unedited version as I did, but you need to get that from someone you trust (and make sure it's for the same version of php!).