Ok, I'll try to be a bit more helpful. First thing you need to know is that this is a game of exploration. If you were handed all the answers, there would be no reason to play. As for money, you can create a character that does nothing but dig. This will, in time, provide you with more than enough silvers to fund all your other characters.
While I'm at it, I'm going to do a preemptive strike on your next few questions. 99.9% of all your questions can be found either in help (the FAQs especially), the forum (use the search tool), or the player sites (links found in help). Only later in the game will you have questions you can't find the answers to.
Until then, go forth and make mistakes, secure in the knowledge that you can create new characters when you become more familiar with the strategy and theories of the game.
Good luck
TeT
