Nokia games and memory card reader questions

Is there any way to try out java games for Nokia phones on the computer without transferring it to the phone?

I bought a memory card reader that supports all common formats (including MMC). The reader is detected in WinXP and shows the removable drive icon. But when I ask it to browse the memory card, it dosen't detect it and shows a 'Please insert a disc into drive G:' error. The memory card surface is perfectly clean.