Windows Vista & Passwords

Although I'm the owner, sole user, and administrator I have had to resort to
having two administrator accounts. I've granted permission (full control) for
both accounts and 1 (one) password for both accounts which are the same. I
have edited permissions and group policies (Windows Vista Home Premium), yet
I have not been able to trash the old passwords (I guess) because many times
I get continued message to log in. I've long in 3 times all with the same
passwords. Question? are former/old passwords stored on my HD? I've received
remarks and warnings that "You Do Not Have Permission" and as we speak, I
have to log in 3 times to get in Live, Hotmail, etc. My passwords are all the
same for everything in order to eliminate some of the crazinest. Any
Suggestions. I love Vista Home Premium but its driving me banannas?
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jrdummiekof