from Apple site:
Ever since i had my Powerbook, i used the administrative account. What's so bad about using it on a day-to-day basis? If I make another account, will I have access to my programs that I have installed ?
The first account created on a Mac OS X system is an administrative account. If possible, this account should not be the account you commonly use; it should be reserved for making changes to the system and installing system-wide applications. After installing Mac OS X, go into the Users item in System Preferences create a new account without administrative access. For your common tasks, log in as that user.
Ever since i had my Powerbook, i used the administrative account. What's so bad about using it on a day-to-day basis? If I make another account, will I have access to my programs that I have installed ?