Admin and User Accounts for Single User

I am the only user of my iMac. According to the article I found below, I should create a User Account for myself and use that one for my daily work. Is this correct?
"Don't use the administration account for anything other than setting up the machine and applications or changing "permanent" settings (if you want to, say, change network settings as a normal user you'll be prompted for the admin password, and since you'll do configuration changes less and less often as time progresses, this isn't a problem)."

Aha! It would appear that this is exactly the sort of thing that using a non-admin account would normally protect you from.
..."yet all applications are available to me in Finder > Applications"...
That's good news. So I wonder where the "Applications" folder has been moved to... The folder that is opened when "Finder" is activated is something that can be changed through the "Finder" > "Preferences" menu under "General". I suspect that it is either "Home" or "Documents", so that when you refer to "Finder > Applications", the path is actually either "Macintosh HD" > "Users" > "Applications", or else "Macintosh HD" > "Users" > "Documents" > "Applications".
To put things back, it might be easier to temporarily remove any "Parental Controls" from your current account and check the "Allow user to administer this computer" check box.
Then rename the "Macintosh HD" > "Applications" folder (the one with only "iTunes") to something else, eg "Applications-temp". After that, open a second window and drag the folder you refer to as "Finder > Applications" to where it belongs in the "Macintosh HD" window.
Now check the versions of "iTunes.app" in the "Applications" and "Applications-temp" folder - one way to do this is to click on the iTunes icon once and change the "Finder" window to "Column View" ("View" > "As Columns", or use the keyboard shortcut ⌘3). The version number should be displayed in the "Preview" panel. Take the older version (lower version number), and throw it away. If necessary, drag the newer version into the "Macintosh HD" > "Applications" folder.
Now, open "Macintosh HD" > "Applications" > "Utilities" > "Disk Utility.app", select your hard drive, and click the "Repair Disk Permissions" button (not the "Repair Disk" button). This might take a few minutes.
Hopefully that will do it, and you can go back and make the account a non-admin again.
I should mention that with some third pary apps, if they were originally installed while the "Applications" folder had been moved, they may complain if their location is changed. It might be necessary to reinstall those, although it will likely depend on a case to case basis.

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