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#21
Also go to Administrator tools, click on the Computer Management shortcut, then look for "Local Users and Groups". In there it will show all accounts on the system and if they are enabled or disabled. You can also look at the rights that they have, including permissions allowed. Your account sounds like it got placed into what would be considered in between a Local and a Administrator account. You just are not getting the higher rights that you should be.
If you really have to, create a new local account as administrator rights and then go in and fix your account permissions. If you use a Live account, which is the email. The Roaming profile stored on Microsoft's servers can get hosed up from time to time as it updates on their server. I prefer a Local user for a Workgroup over a Live account with the email to treat the computer as if it is on a Domain, which would be connected to Microsoft's servers, so that Parental Controls and other items can be changed in the Live.com portal.