Wow. I was able to find, using the control userpasswords2 process, that my particular user name that had administrative privileges had a box checked that did not permit this user to change passwords. Once I unchecked that box I was able to change everything as advertised.
Now however, when the computer logs on, two users appear -- Administator and Me. How do I eliminate the initial log on screen from having two or so names appear so I have to choose before the operating system starts? Namely; how do I set it for one user to automatically log in?