that is a good question
my fav are
moshi monsters
there are sites were you can have numerous games
these sites are
one more level
gogirlgames
there are numerous other sites as well
Ourworld
I suggest the Sims games its one of the best ones out there for what your looking for
Babydow and Babyvalley are two virtual baby online games.
You can create you own school at Second life online virtual Game.
Best online virtual world is Second life.
get a virtual snail at ziggysworldgame.webs.com or a horse at howrse.com
go 2 www.google.com and type in virtual hotel games online and chose any of the options
Some virtual games includeClub PenguinRunescapeFantageDownloading games from yahoo games, or shockwaveXivioPolyvore (designing)Pixie Hollow (Disney Fairie game)Wizard101Club Pogo (online mini games)Miniclip (online mini games)
go to horwes.com
IMVU
AeclecticTarot.com
You can get a virtual server at any store that offers them or you can buy them online. There might be deals online for getting a virtual server for your computer, your best bet would be to look for sales online and in local stores to get the best deal.