Many times we setup our computers for the first time and only create one profile, this account is by default the administers account. Many times there is no problem with that, but sometimes we run into problems with the operating system or viruses and next thing you know you are locked out of your own system. Creating a user profile to use on a regular basis and an administrator account that you do not log in to, is the most ideal of situation. The reality is that this is actually really easy to do and will only take a few minutes to do.
The situation that many people do not like it that they will have to put an administrators password in then the User Access Control (UAC) comes up instead of just clicking allow. Although it is easier just to click allow instead of putting in a password, ultimately you could save yourself a giant headache down the road by setting up and using the user account.
This style of setup is what is used in the business world and is considered to be the best practice by Microsoft. If you already have a system running and you are running as administrator by default,it is very easy to add another profile to use on a regular basis. For this we need to go to the control panel, click add or remove user accounts, create a new account, and then select user and name it. Now you can log off your current profile and onto the new user account, you will have to update your login information on your browsers.
Here is a link to a visual representation of the steps.