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Anyway... since Vista, Windows has what's called UAC (User Access Control) which prompts for admin access to system functions.
If you're trying to re-name files, change settings, etc. that affect the system, it prompts for admin access.
Your account isn't actually an "Administrator", but a "Power User". This helps protect the system from unauthorized changes from malware, or from somebody changing a setting accidentally.
If you want, you can disable UAC (which I highly discourage) through User Accounts under Control panel. What I would advise instead of disabling it, is just dropping it down to the 1st level above disabling it. That way it doesn't dim your screen, and prompts for less actions.