A person who (through ignorance, fear, or hate) regards those outside their own race/gender/religion/class as inferior and acts upon those beliefs by antagonizing or outright discriminating against them.
– I had another fight with my dad! What a @$#% phobo!
– He's old-school, man, don't let it get to you.
– There's no excuse, it's just hateful!
– He picked a fight with the new kid, and was calling him a 'fag'
– What a phobo! And then...?
– The kid was a black belt and pwnd his ass! It was pretty sweet!