Most people feel that they need to have administrator privileges to run their computer, you do not.
I have been dealing with cleaning up spyware and malware from some computers lately. These users had administrative privileges.
You can run your computer as an everyday user and if you need to install something, most modern computers will prompt you’re for the administrator’s password. By doing this, you prevent the easy installation of spyware and malware on your machine. You can also prevent a worm or some other type of malware from using your computer as a jumping of point to hack other machines.
So, do not use your computer as administrator for everyday use. It is not needed and it will make your computer much safer.