***Help ID Spider [B]***

Everyone,

 I have lived in Toledo, Ohio my entire life and have lived in this house for 5 Years.  I have never seen one of these Spiders before, until this year, they are now showing up on the Fire Hydrant, Wood Piles and all over the Garage.  They seem kinda big, they tend to leave us alone, but are always out in the morning.  Their Webs are rather large and flat not funnel, and they are strong enough to trap bees.  I haven't been able to identify it using pictures, I was wondering if anyone knows what it is and is it something I should be worried about?

 P.S. I am Arachnophobic, Which I know is generally stupid since spiders generally aren't dangerous if left alone, but I also want to know as much as I can about whats around.

http://www.spiderzrule.com/orbweaver.htm
This is a garden orb weaver and not dangerous.
glen