Javafan, please note that from a security standpoint:
The individual home directories should not have world read write access, this is what group permissions and directories are for.
If the user needs access to a file that is owned by another user, it should be stored in a common access area. In fact, there are some security related functions (of which SSH is one) that refuse to run if the user's home directory is world readable.
File access controls are nice (and selinux context controls even nicer), but group read/write access (anything with more than one user) needs appropriate permissions set and enforced.

In reply to Re^3: Open a file of a different user by proceng
in thread Open a file of a different user by Adler

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