I think if you set up an account as a power user that would let you do what you want. Use the administrative tools -->computer management --> local users and groups --> users, then pick the account you want to work with, go to the member of tab, click add and type in power users. remove the group that the account belonged to when you created it. if you go to groups instead of users, you can look at the descriptions of all the account types and figure out exactly what you want. you have more choices than just admin or user 🙂 i'm using xp pro, i don't have a home ed. machine, so i can't tell you for sure if it works the same way on both.
brian