[TorqueDog]

This is actually good advice regarding user versus admin accounts that I admit I'm guilty of not following myself on my home PC.

Once you set up your PC the way you want it, create a local account with administrator privileges and a password. Then change your daily use account to a regular user account without admin privileges. Whenever you need to install something, you get prompted and enter the administrator account and password, and off you go. You can also right-click and 'Run as Administrator' and enter the credentials that way.

This is one thing Mac OS X gets right, you're prompted for a password any time you're installing software or making system changes, provided you've set one.