Physics Newbie - Newtons 1st Law - Frames of References & Observers

Hi All
Let me start by saying that I am new to this forum and I am new to physics. I've always had an interest in getting an entry level understanding of Newton's Laws of Motion. I also apologize if these questions are a bit stupid or overly covered in other posts.

I watched a Yale video lecture on Newton's Laws and as expected, I'm a little stumped.

1. Inertia has to do with an object's resistance to stopping and it's desire to continue moving forward at the same speed, correct?

2. What does a reference frame actually mean? In an example of a car accelerating, is the car the frame of reference? Does it matter whether or not the car is accelerating or just coasting?

3. If I am watching the car go past me, I am the observer?

4. Am I correct in that an object obeying the 1st law is an inertial frame of reference and an object not obeying it is a noninertial frame of reference?

5. When a car moves after being at rest, the dice hanging from the rear-view mirror swings backwards, this is noninertial, correct? Is the dice it's own frame of reference? Does the same apply when the car takes a bend and the dice swings to the side?

I'm struggling to understand the relationship between inertial/noninertial references and observers.

Any help would be great

Please remember that I am a noob to all of this.

Thanks