Yeah... what avansc was trying to say was...well never mind, you'll learn to love him
If you're serious about starting to program, I suggest that you begin by finding out about programming languages.
You need to first understand why you need to use a programming language to make applications (although I guess you probably already know that considering you know how to "program" in markup, although the markup languages themselves bare little resembelance to applications programming languages)
Learn to program, and I emphasise the word 'program', you don't just learn a language, you have to know how to be able to program, and being able to make a hello world aplication from something you learnt from a book and actually being able to judge when it's appropriate to use different control structures etc are two very different things, the latter is knowing how to program.
The last statement you made about the 3D MMO, no offence, but the terms 'beginner' and '3d MMO' are synonomous with ignorrance, i'm not doubting you at all, so don't get me wrong, but people won't take you seriously if you even mention that you'll try and make a 3D MMO before day one of actually writing any code at all!
I would advise you to check out GyroVorbis' videos entitled "Game Development: where to begin"
Part 1 :
http://www.youtube.com/watch?v=n0B6Gbsu ... 98&index=3
Part 2:
http://www.youtube.com/watch?gl=AU&hl=e ... ZLDgxVMcHI
Part 3:
http://www.youtube.com/watch?gl=AU&hl=e ... 8CekH2grE0
These videos will hopefully help you to understand that making a game is much more time consuming than making websites, you need to commit a lot of time firstly to learn how to program, then how to program well, and then you need to allocate time to start a project.
Still up for giving it a try? then I wish you the best of luck