ViewPoint Computer Club

Many new users unknowingly operate their computers as administrators when using applications that open E-mail or access the Internet. This can greatly increase the probability of  receiving a virus or spyware.

You can greatly decrease the risk by not doing your daily tasks as a computer administrator. How do you know if you are operating as an administrator? If you can install programs after you log on, you are working as an administrator.

"I've said this many times, but I'll say it again, "Running with an administrative account is dangerous to the health of your computer and your data." So, whenever someone says they must operate their computers as administrators, I always try to persuade them it's not the correct thing to do from a security perspective. That said, every once in a while I meet someone who has a valid reason. For example, I use one of the computers in my office to install the latest daily build of Windows, and I need to be an administrator to install the OS. However, and this is a big point, I do not read e-mail, browse the Web, or access the Internet in any form when running as an administrator on that machine. And I do not do so because the Web is the source of most of the nasty attacks today."

Michael Howard
Microsoft Security Engineering
November 15, 2004

Read the entire article at http://msdn2.microsoft.com/en-us/library/ms972827.aspx

If you find this article hard to understand, you probably should not try to use the software discussed in the article. The safest thing to do is to operate as an administrator only when necessary, such as when installing software or other operations which require administrator privileges. 

You can create a limited user account for your day to day work on the computer . This will mean that, at times, you would have to log off your limited user account and log on as administrator to accomplish a task.  While this can be inconvient at times, getting a virus or spyware can be much more than inconvenient.