[[ I do not login multiple times. I login once. Every time I go to add a program, delete a program, add a folder to finder, etc, etc x 100, it asks for my password. Its highly annoying. ]]
Sounds to me that you're logging in as a regular (i.e., non-administrative) user.
If you were running from an administrative account, you wouldn't be prompted for a password to add folders, etc.
Open System Preferences and check either "Users & Groups" or "Accounts" (same panel but with different names in different versions of the OS).
What type of user are you?
Aside:
Even administrators will be required to enter a password when installing a program, or make changes inside the Utilities folder (in more recent versions of the OS). It's just the way OS X works. This is what makes it far more secure than Windows and far less vulnerable to viruses, etc.