Some recent research has found that 92% of the bugs and security problems that occur in Windows are in relation to the administrator account.
To cut a long story short, you should always use a standard user account in Windows instead of an administrator account. This will avoid the majority of problems that occur in Windows and IE. If you have a network, your users should definitely be given user level accounts and not setup as administrators.
For a single home computer it might be much more convenient to use an administrator account, but for shared computers, you should think twice.
By keeping Windows up-to-date and minimizing administrator usage, you can have a far more secure system and network.
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