Alright, so I've read in many places that for daily computing, it is best not to use an administrator account because you can easily destroy this or corrupt that. I can easily see why this is good practice in Windows, with logged in admin users never getting any further prompts when they want to install software or change system settings, but with OSX, even if you're logged in as an admin, you still have to authorize in the same way as you do if you were using a limited account. The only administrative action that I've found you can do on a logged in OSX admin account without a password is moving files into the /Applications directory. Are there any more? If there aren't, I really don't see why you should go through the trouble of creating a whole new account just for administration and demoting the account named after you, the administrator.