Alright, this is a good link that's been posted a lot on here that will help with some of your worries about cars and explains why not to bike on the sidewalk:
http://bicyclesafe.com/
Your schwinn world should be enough to get you started cycling... Fine for going 8 miles, and after youve gained confidence and know what you want, you can think about upgrading or not... Don't worry about toe clips or clipping in yet. I'm not familliar with the schwinn world, so I don't know what kind of shifters or gears it has... but basically, if you have multiple chain rings on the front of the bike, the bigger chain ring will be harder to pedal and the smaller ones will be easier. ON the back of the bike, it's opposite... the bigger cogs make it easier to pedal, and the smaller ones make it harder... So if you were going up a hill, you want to shift to smaller gears up front and/or bigger gears in the back to make it easier for you to pedal... When you're biking, it's easier on your knees if you pedal at a high cadence with less resistance...you don't want to be mashing or using a lot of force to get the pedals to move.
Hope that helps



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