Excellent post Phogphire.
I would like to add some related information as well.
Why you should not run your computer as an administrator?
Running Windows 2000 or Windows XP as an administrator makes the system vulnerable to Trojan horses and other security risks. The simple act of visiting an Internet site can be extremely damaging to the system. An unfamiliar Internet site may have Trojan horse code that can be downloaded to the system and executed. If you are logged on with administrator privileges, a Trojan horse could do things like reformat your hard drive, delete all your files, create a new user account with administrative access, and so on.
You should add yourself to the Users or Power Users group. When you log on as a member of the Users group, you can perform routine tasks, including running programs and visiting Internet sites, without exposing your computer to unnecessary risk. As a member of the Power Users group, you can perform routine tasks and you can also install programs, add printers, and use most Control Panel items. If you need to perform administrative tasks, such as upgrading the operating system or configuring system parameters, then log off and log back on as an administrator.
If you frequently need to log on as an administrator, you can use the runas command to start programs as an administrator.
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