Windows 7 64-bit, now no permission to save files from web to desktop

I am a one person shop in a home office. I am the sole administrator and sole user. There is no higher authority in my company than me. Suddenly just today, I do not have permission to save any kind of file from the web to my desktop. I cannot save them to the desktop, download them to the desktop, or create a shortcut from the web to the desktop.

Both Avira-AntiVir and Malwarebytes Anti-Malware say my computer is clean. I have tried takeown /F with no luck. What are the possible causes of this? Other suggestions to fix it? I typically do all support for my home office and computer and this has me stumped.

And while we are on this, it would be nice to have a simple, direct way to allow me to open any folder on my own computer and save to any folder on my computer as I have always had trouble with this, even when logged in as an administrator.

Help please. I am trying to work today and save research to the desktop and this is a pain the the rump.

Only with desktop folder and only when saving files downloaded using the browser. My folders are all still in the default location.

BTW, my user name has always been my full name but the path I am saving to has always used only my first name as the user folder. Only as my user name does it have my full name where as everywhere else it only uses my first name. And none of the above helped.

System restore failed. The system quickly grew worse. I used the Paragon backup and restore CD to pull a complete backup from an external hdd then ran av etc and that solved everything.