yea, i agree with rob and he gave some good examples how to approach unfamiliar dogs except i highly discourage feeding an unfamiliar dog. that wan't very good advice for a beginner who is afraid of dogs. that's the scarey part though. the unfamiliarity. if you already know a dog is nice and will just lick you, there really isn't that fear anymore. it's the not knowing what to expect that scares you.
it's ok to be afraid, but if you really want to face this fear, then the simple solution is to face the fear. it's as simple as that. if the dog attacks and bites, you learn something from it. if the dog just licks you to death, you learn something. my point is, there is no other way to get rid of your normal fear than to just face it. by facing your fear and watching the dog carefully, you will notice patterns in the animal that will dictate it's next move and whether it is friendly or not. believe it or not, even unfriendly dogs can be approached without putting yourself in harms way usually. there are rare exceptions.
i used to train dogs. you didn't know that WD. how did you get to be so old and afraid of dogs though? haha it's kinda funny but i picture you walking the opposite way whenever approaching an unfamiliar dog

i have handled many dogs and many breeds and never been bit. i am sure eventually sheepdog will see this thread and post here. she breeds dogs for a living.
for me, i love dogs and animals in general. my best childhood memories was when i got my first dog. i would try to face this fear, WD because there is a high chance you will pass your fear on to you child or children one day and they will become afraid for no good reason.
i would never approach a dog that is wild or off a leash. if a dog is with it's owner and on a leash, it's almost safe to approach because you can ask the owner if it bites. if it doesn't, then start petting it and get familiar with the nature of a dog. they are really good creatures. to me, reading a dog is like reading a human being. just comes natural to me. dogs, like humans have different characterisitcs that you should be aware of. it's not really something anyone can teach you though. it is something you will have to experience and face your fear yourself.
to ease some of your fear though, i can tell you this right now....most dogs are friendly.....especially when they are around their owners on a leash. and i would have to say, don't feed a dog because when they are eating is when they can become more aggressive so it's really the only thing i disagree with rob's post if you don't know what you are doing and how to approach dogs.