Unfortunately there is no silver bullet. There are a lot of permission levels in the system all the way up to the Trusted Installer and every level needs it's own strategy to get the right permission. Here are a few articles to get you started, but there is a lot more to it.
How To Quickie: Vista Permissions ? PaulStamatiou.com
How to Take Ownership and Full Control Permissions of Files and Folders in Vista Tip and Trick
How to Take Ownership and Grant Permissions in Windows Vista My Digital Life
I suggest you come back here the day you run into a permission problem and are not able to resolve it yourself. In the meantime, you can open any file as long as the system is prompting you and you can make headway with "Continue" or "Allow" or alike. It will not jump into your face.
How To Quickie: Vista Permissions ? PaulStamatiou.com
How to Take Ownership and Full Control Permissions of Files and Folders in Vista Tip and Trick
How to Take Ownership and Grant Permissions in Windows Vista My Digital Life
I suggest you come back here the day you run into a permission problem and are not able to resolve it yourself. In the meantime, you can open any file as long as the system is prompting you and you can make headway with "Continue" or "Allow" or alike. It will not jump into your face.
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