SSH Permission Denied

Here is a issue I got today..wanted to save time of some one with similar issue

Permissions 0644 for 'xxx/xxxxx/.ssh/xxx.pem' are too open.
It is required that your private key files are NOT accessible by others.
This private key will be ignored.
bad permissions: ignore key: /Users/xxxxxxx/.ssh/xxxxxxx.pem
Permission denied (publickey).

Resolution:: Make sure you copy the .pem file to ~/.ssh folder
>give permissions to the actual .pem certificate
>chmod 600 xxxxxx.pem
>ssh -i ~/.ssh/xxxxxx.pem xxxxx@server.com 

Hope this helps.