Joey wants to know if he still needs to run Windows as a standard user, rather than an Administrator. Leo says he used to recommend that tactic, and he can still do that. It won't hurt anything. However, Windows and Mac have fixed this with UAC (user access configuration) features. This way, users have to type in the Admin password to do anything that could get into trouble.
Richard just bought a new Dell computer and he wants to know if he should change his settings from administrator to standard user. Leo says that a bad guy has the same level of permissions as he has. So if he's an admin, he's letting a bad guy potentially do whatever he wants. If he runs as a limited user, then they can't do anything that an administrator password is required for. He will need to authenticate with the admin password. That's what being just a standard user buys him -- an extra level of protection. Leo says that the kids should definitely be standard users.
Sam is worried that his Windows computer is running as an administrator. Leo suggests creating a second administrator account that he won't use. Then downgrade his regular account to standard user. He could make them look completely different to tell them apart. Then if he needs to install something, it will ask him to log in as an administrator. Any software that needs him to run as an admin, he can just right click on it, select the "run as admin" option and type in his password. This will protect him from over 90% of all malware trying to get on his system.