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I found a spider right outside of my house door and couldn't find an answer and this is what came up....hope its useful!!

One common garden spider, known as the black and yellow garden spider, has silver hairs on the back of its forward body section and a large abdomen marked in black and bright yellow (or orange). The common garden spider is approximately 25 mm (1 inch) long and hangs head down in the center of the web. It is often found in brambles, bushes and tall grasses in open, sunny places near human habitations where flying insects blunder into the trap. Egg sacs are spherical and narrowed at one end and covered with a tough brown, paper-like silk. These Spiders are not considered dangerous, despite their formidable appearance, but they can bite if handled or molested.

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Q: What spider has a black belly with a yellow spot in it about 1.25 long?
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