A standard account is generally used for everyday tasks and an administrative-level account is used for troubleshooting, installation, and similar tasks that require more rights and permissions.
The Standard user account type has fewer permissions than an administrative-level account but enough permissions to be productive. You should use a standard account for day-to-day work. When you're logged on as a standard user, you can surf the Web, read e-mail, create documents, listen to music, as well as other rather basic tasks. The Administrator account type provides the broadest permissions and therefore the most control over the computer. This includes changing all settings, installing programs, and modifying the Windows registry. Use an administrative-level account only when you need to make changes or perform maintenance that requires elevated permissions. Using an administrative account for ordinary (Standard-level) computing tasks leaves the computer at a much greater risk of attack. For example, if you visit a malicious Web site by accident, the site can easily install and execute a Trojan horse program on the computer because of the broad permissions of the administrative account.