I tried running Repair Permissions using the Disk Utility. Unfortunately it did not work.
However, I found the solution myself with a reference from somewhere on the Apple Support Website. I don't remember exactly where because I had done so many searches and tried so many things that the exact source on Apple's website remains a mystery.
As a newbie I apologize for not knowing exactly the source. I went into System Preferences, Sharing, File Sharing, and in Shared Folders I "right-clicked" and was given a choice to "apply permissions to enclosed items." Once I did that the problem went away.
I guess I'm somewhat disappointed in the Mac OS because the problem solution was within the Sharing Preferences, but nowhere was there a simple instruction to "apply permissions to enclosed items," whatever that means.
Thanks for your assistance because it got me to think about Permissions, File Sharing, etc.
David