JD,
First off, let's keep one thing in mind. While using a limited account has its
advantages, it's no guarantee that your computer won't be compromised by some
type of malware. The most important part of computer security is the actions of
the person seated in front of the screen. Another thing to keep in mind is that
some programs will only run under an administrative account.
As for how to set up your system so that you're using a limited account, the
advice you've been given is approaching this issue from the wrong direction.
Here's an easier solution; create a new administrator account and demote the
Owner account.
Go to Control Panel and double click User Accounts.
Under Pick a Task, click on Create a new account.
Name this account whatever you want. Admin would be my choice.
Click Next and leave the default setting of Computer Administrator selected.
Hit Create Account.
Back at the first User Accounts screen, click on the icon for the new account.
Click on Create a password and follow the instructions on the next page to
password protect this account.
Note: Try to use a password and hint that's easy to remember but hard to guess.
Since you won't be using this account often, it's important that you don't
forget the password.
Close User Accounts and log off from the Owner account.
Log on with the Admin account.
Once you're logged on as Admin, go to Control Panel and double click User
Accounts.
Click on the icon for the Owner account.
If you don't have one already, click on Create a password and follow the
instructions to password protect this account.
Back at the Owner account screen, click on Change the account type.
Select Limited and hit the Change account type button.
Close User Accounts and log off from the Admin account.
Log back on to the Owner account.
Test to see if you can still run all of your programs. You should still have
access to all your files and email messages. If you find that there are issues
that make running with a limited account difficult, log on with the Admin
account and elevate your Owner account to Computer Administrator using the same
procedure outlined above.
Now, let's move on to other issues. First, every XP system has a built-in
account named Administrator. This account is usually hidden. Hidden or not, it
should have a password. There are a number of ways to do this. Here's one;
Log on with the Admin account.
Go to Start -> Run and enter the following in the Open box.
control userpasswords2
This should open the alternate User Accounts applet.
There should be a check mark in the box next to "Users must enter a user name
and password to use this computer".
In the Users for this computer box, click on Administrator.
In the Password for Administrator, click on the Reset Password button.
Once again, enter a password that's easy to remember but hard to guess.
Close User Accounts.
You should log on at least once to the Administrator account to test the
password. How you log on to the Administrator account depends on what version of
XP you have installed on your computer.
For XP Home Edition
To logon with the built-in Administrator account in XP Home Edition you have to
restart the computer and boot into Safe Mode.
To start in Safe Mode, reboot your computer and start tapping the F8 key as soon
as you see anything displayed
on the screen.
Keep hitting F8 until the Advanced Startup Options menu appears.
Use the up and down arrow keys on your keyboard to select Safe Mode.
Hit Enter.
Click on the Administrator icon.
Enter the password you just created.
For XP Professional
Log off from the computer.
If the Welcome screen is displayed, hit the Ctrl + Alt + Del key combination
twice.
This should bring up the Log on to Windows dialog.
Enter Administrator in the User Name box.
As for your stepson and your wife's students, I'd pass on using the Guest
account. Instead I'd create a limited user account for your stepson and another
one for the students. As for restricting what they can do on the computer, you
might want to investigate this program from Microsoft.
Windows SteadyState
http://www.microsoft.com/windows/products/winfamily/sharedaccess/default.mspx
Keep in mind that this program should be installed before you create accounts
for your stepson and the students.
Good luck
Nepatsfan