Math Overflow is basically an aberration, an artifact of an earlier time. They're not actually part of the current Stack Exchange network, but rather one of the few Stack Exchange 1.0 sites still hanging on.
Just like Mathematics.SE accepts questions from people of all levels and education, so does Stack Overflow. It doesn't matter if you're a beginner or an expert (and really, even the experts in one thing are beginners in something else), if you ask a valid question that can be reasonably answered in our Q&A format, then you're a valuable member of our community.
Follow the rules and guidelines set out in the FAQ and ignore anyone who tells you to do differently.
We don't have an "experts-only" requirement for a reason. Not only is everyone welcome, but we're here to learn things and self-professed "experts" aren't interested in learning anything because they think they already know everything.
If you're looking for a place to sit around and socialize with fellow "experts" (read: elitists), then you'll need to find a different online community. This one is for "professional and enthusiast programmers, people who write code because they love it". It requires that you "treat others with the same respect you'd want them to treat you [because] we're all here to learn together". It requires you to "be tolerant of others who may not know everything you know". It asks that you "bring your sense of humor".
Unfortunately, one thing that beginners to programming need is a teacher, and that is something that the Stack Exchange platform cannot and does not hope to provide. This isn't a limit of Stack Overflow, but rather of the structured Q&A format of the site. We do not provide lists of resources nor will we write complete solutions for you. You will have to find the resources and time to learn programming on your own. However, if during the process of learning, you should run into a problem that you cannot figure out, that's something you should ask a question about on Stack Overflow. Remember that we are here for "practical, answerable questions based on actual problems that you face".
Also see: http://meta.stackexchange.com/questions/128548/what-stack-overflow-is-not