hm, I am not sure off hand, but unless you need multiple accounts, try removing all but the admin acct.
also, somewhere buried you should find a setting as to whether or not you go directly to the desk top or choose a user/password.
play around in the control panel for a bit and you "should" find the fix. I am a bit too lazy to look into the fix for you right now, sorry lol.
It actually may have been related to your first problem, give it a little bit and see if they both work them selves out after unchecking that box.