a few things...
if ^ doesn't work, go to System Preferences > Accounts > *your_user_name* > startup items
if the folder is in there, remove it....
Now, create a new user, give it a name like "backup user" or "Backup Admin" or whatever you want to call it... this will be, as indicated, a backup account... If something seriously wrong happens to your account, you log into this account... Yes you are on a Mac, Yes it is rare that something goes wrong, but I have needed it in several cases (and it is usually the second thing the techs at AppleCare tell you to do, before that is deleting prefs...)
that's all...