Insect in the garden. Is it harmless?

Moorestown, NJ(Zone 6b)

We started noticing these bugs last week, and they have become fairly abundant. It is not unusual to carry them into the house in your arms when walking in from working in the backyard.

I'd like to know the ID and, by extension, whether they are harmless to plants and people.

Thumbnail by betulo
Moorestown, NJ(Zone 6b)

I think the answer is lady beetle.

http://insects.about.com/od/insectpests/tp/top10beneficialinsects.htm

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