That is easy to fix! Go to Control Panel. Open User Accounts. On the left (not extreme) you will see Create a password for your account. Go to the last item in the list. It says, "Turn User Account on or off" Click on this and your permissions are turned off!
I have been completely frustrated by the access and permissions denied occurrences in Vista. Going through the forums, I see I am not alone. I tried disabling UAC but that did not do much. My next step would be to install (again) Vista Ultimate on a clean hard drive and do whatever is necessary to configure the OS so I am NEVER again denied permission to do something. If this is possible, and someone could tell me step by step how to do this, I would be eternally grateful.