Accessing Web Pages from a User's Folder

[Devarishi Kumar Mahadeva]

Hi,
 
 
After installing and configuring Apache (Web Services) on RHEL 5.2 and creating an HTML file as /var/www/html/index.html I can browse the home page without any problem. But if I want to access a particular user's html file which is, for example, given as below:
 
/home/demo/web/demo.html
 
then how to do it? I enabled user_dir in the httpd.conf and set the permisisons on the user's home directory and the web folder as stated therein. By the error messgae is: 403 forbidden: You are not authorised to access it... something like that.
 
Can you help me with it? 
 
I have alink in the index.html file as given below:
 
<a href="~demo/web/demo.html"> Demo's Page </a> and am not able to browse it.
 
Thanks,
Dev.