You need to determine why those applications need Admin rights. If it's just to the file system you can grant the user those rights within NTFS. If they need access to the registry, you can do the same.
As cynthetiq suggested, you can give them Power User rights which provides more access to the registry and file system without compromising security for everyone else.
What sort of Java chat application requires Admin access???
I have a question: if this is a family computer and doesn't have your own data, does it matter if they "snoop" around?
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