Re: need advise building a fortune
I had thought chippies since those used to be big back in day but no one seems to need them.
Cipped gems aren't really used anymore.
The best way to get currency is to collect crafting/spirit/insight runes and gems and sell them in bundles (20 Craft runes = 18 PAme = 20 PRuby = 36 PGs = Pul on EU Realm). Popular lowrunes include Tal, Ral, Sol etc. but check the crafting recipies - selling a pack of 20 Jewels, 20 Nefs, 20 Rubies and 20 Blue Vampirebone Gloves would probably get you a HR or more.
If you have more than one account, rushing own characters to hellforge (like Chairnik pointed out) or doing rushes/leveling-service for others can also prove profitable.
Pretty much any unique/set-item in the game (save a few very rare items with alot of varying stats) can be gotten for PGs. And most character builds can get decent equipment for 20-25 PGs.
There are a couple of "getting rich" guides here - the search function will reveal more. The general concensus, I think, is to make a first build of a sorceror (Socialism has an excellent
TK/Orb guide for hardcore) and do Mephy repeatedly (glitching is an option to get better drops).