by 
The Curious Bag
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<h4 class="dechead">On One Hand: Administrator Has Privileges
If your home computer is part of a network, an administrator account can be helpful. It allows access to all privileges on the computer. An administrator can install or remove software and limit who will be able to use the computer. This will help keep the computer safe from intruders, such as Trojan viruses and online hackers.
On the Other: Administrator Has Responsibilities
A computer is vulnerable when it is in administrative mode, particularly when the user is visiting websites. In this state, the computer is wide open to viruses so severe the hard drive can be erased or the computer hacked when intruders install new accounts without the user's knowledge. Therefore, you should not perform routine tasks while in administrative mode.
Bottom Line
Activate the administrator account if you want to protect the networked computer from viruses and hackers. If you use the computer for work that doesn't require you to spend time on the Internet, you don't need to use the administrator account.
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