OK, hears my final post. Hope everyone understands. It's very easy to do.
1. Create new User and give that new User name Admin Rights. Add Password. ( This in in your System Preferences).
2. Go into your current User Folder and backup your Docs, music, movies, pics etc.... with a USB memory stick.
I had about 15GB of Data. Do not copy any libraries, preferences, etc. Just the folders in your Old User Account.
3. Sign out and restart in your new User Account.
4. Go into Finder, Click on User Folder and go to your new User Account. Copy all your Data from the USB into your new user account.
5. Go back into System Preferences, then Users, and delete your old User Account. Click the last option to NOT save anything!
6. Mine ended up in my Trash. Delete your trash, 15GB worth for me.
7. Shut Down then Restart in your new User Account.
8. Everything should be there, ready to go. Some 3rd Party apps may ask for the serial number again, for you to register. I only had that on two apps. No big Deal.
9. Do one final check. Go into Finder, click on Users and make sure only your New User Account folder is there, along with, I think, a Shared folder. If your old folder is still there( it was in my case) I deleted to trash then got rid of it for good.
All should be good