For your protection, its not a good idea to always run your computer using an account that is privileged (i.e: with administrator rights). By doing this, you can prevent malicious programs from being able to easily infect the OS because it doesn't have the rights.

When you have to perform an operation that requires privileged access, such as installing or configuring an application or OS. That is when you login with the administrator account.

To add or remove users, or change user account privileges open the User Accounts control panel. To use this control panel does require administrator access.

    * Open the Control Panels folder
    * Double-click the User Accounts control panel