If you do a ls -al, you will see something like:
drwxr-xr-x 68 root root 4096 Dec 23 18:51 etc
drwxr-xr-x 2 root root 4096 Jan 29 2004 floppy
Ok, the d flag stands for directory. The first rwx means that only the owner (root) of the file can 'r'ead, 'w'rite, and e'x'ecute. The 2nd r-x means that anyone in the group (root) can read and execute. The third r-x means that "others" (anyone that doesn't own or is in the group) can read and execute.
Perhaps your situation is that the username 'owen' is in group 'root' however, there is no 'w' flag for directory "htdocs" that is why username 'owen' CANNOT write files in that directory. To change permissions on files/directories you need to become root and then look at the command 'chmod'. I would tell you the options for chmod but then you wouldn't learn exactly how it works. Anyhow, play with chmod and if you still have problems then post back. We are welcome to help.
'make sure your permissions are set' well i have no clue how to do that
You should've told this to us in the beginning. We assumed that you knew how to check the permissions