I had this issue this morning after reinstalling openSuSe 11.3 and resolved it by the following:
Open a SU terminal in /home/youruser
enter: chown yourusername
This sets the ownership to yourusername
Reboot and all should be fine. There are quite a few solutions out there and most advise to chmod to 644 or 777 however a few experts have strictly advised against this as it opens the file to the world and is more of a brute work around than a solution with finesse.
If you use this advise please give me some rep, I would like to get off of zero