Directories Filing Std or Admin Choices

I have drifted over some time into using Standard User Account and Admin Account indiscriminately. At one time I mostly used Standard as I understood this to be the safest way to work. I started using Admin for Bank Correspondence etc. under the impression it would be more secure - dont know where I got this from - and have gradually gone over to using it most of the time.

I am trying to re-organize my directories as I realise I would be wiser to revert to using Standard Account most of the time and I would like some idea of what if any documents I would be better keeping in the Admin User Account in My Documents. I have the same problem with Downloads.

I would also like to know if it is okay to move downloads out of the Downloads Folder into, say, the Apps Folder when I have installed a new Program. And what goes into the Apps Folder and what into Program Folders.

I would be grateful for any advice as my directories badly need sorting.

Hello Windymiller,

It is safer to only use Standard Account most of the time, and ideally use an Admin Account when you wish to make changes to the Operating System Software. If your computer has many users, then that is a big deal. However, if you are the only user, then it is less obvious why you should do that. Suffice to say, it is easier to keep tabs on who changed the computer settings. Keep your documents about the computer in the Admin account.
I find it best to store downloads in places where I most remember where I put them. So, if I download pictures, then I put them in a pictures subfolder, etc. However, if I download installers, I generally keep them in the downloads folder, delete them, or move them onto CD. I would never move installers into a Program folder - that would be more trouble than its worth.
Happy Computing!!