Admin & Main user

I have an Administrator account and then, as suggested, a main user account.
When I put in software, it usually goes to both sides--one example would be
Family Tree Maker. It went in to both sides very nicely. However, they are
not connected so if I change one side, I need to change the other side. I
downloaded my password agent and it went to Admin only. I managed to get it
over to the main user. Again they are not connected and I have to add any
new passwords to the admin side. I have a medical spell checked that I put
in main user, but it wound up on admin and I can't get it to load on the main
side. I tried to do it by transferring the file over through an external
hard drive, but no luck. Is it possible to install software and put it on
the main user side without Admin getting involved. I am using Vista Home
Premium. I like Vista OK, but it has some real downsides and this is one. I
want that spell checker where I do my transcription. I posted the fact that
I can use firefox on admin and hit an email link and am fine, but cannot do
the same on the main user side. I get an error message, but I am prevented
from changing default even though it is listed on the start menu. Makes no
sense to me. Hope someone can help me out here. Can I give main user admin
rights? Would that solve the issue?