Andy has a great post that describes a solution to a problem he had. Basically, when Vista tries to access a shared folder on a remote computer or device, it will refuse to send your password using older encryptions methods. The problem stems from the fact that older devices do not understand newer encryption method; so there’s your problem.
He describes how to solve the problem for both Home and Business/Enterprise/Ultimate editions. Didn’t realise that you’d need two different ways to do it. I suppose the Home edition comes without the admin tools you need to do things easily.