Use Limited Accounts in Windows XP
Many experts recommend that PC users not use the Administrator Account in Windows XP for daily use. Instead set up a limited account. By using a limited account you take out some insurance against an infection by a worm or Trojan. If you do get infected, the limited account cuts down the damage that can be done. The security columnist Roger Grimes states that “70 to 90 percent of all current malware threats would fail to work if the end-user executing them did not belong to the local administrators group”.
To set up a limited account go to Control Panel-User Accounts. When you set up an account, it is also a good idea to use a password to protect it.