i need a money making skill/template thanks

Theres alot of ways to make money in UO..thats what its all about really. Except its how you make the money that counts and UO is very flexible in the way it allows you to make money.
Try the the official website at www.uo.com There is lots of guides on making money there.
Also try http://www.uoguide.com/Main_Page

Good luck and let us know if you need any more help

100+ Weapon skill
120 Bushido
120 parry
100 anatomy
100 tactics
99 necro (use jewels to get to this to free up skill room)
76 Chiv
Rest in Focus

Suit : All 70, high fire. Focus on DCI, dex, LMC. You will get 45 HCI from lightning strike

Stats (225)
125 dex
30 int
75 str
Put stat points from scrolls into str.

Weapon: Ornate axe RULES.
For the BEST money, you are going to be in felluca, in fire dungeon fighting efreets (0 resistance to cold), or ice dungeon fighting ice daemons (low resistance to fire). Use stratics monster guide to pick the correct slayer.

Use an ice talisman for the ice fiends, with enemy of one and a high fire weapon.

Use an elemental slayer wit high cold damage, and enemy of one for efreets.

That really depends.

What do you want to do?

Do you want a fighter or mage character to fight for your gold?

Or do you want a crafter character to make things to sell to other players(maybe) and npcs for your gold?

With each type of character you can make money. It just depends on what your money goal is? Quick cash? Need 20 million asap? It just depends on your needs.

I've never understood the necro/chivalry combination. With the karma requirements which spells work if you have both?

Ahhh, the secret is in what you cast. I ONLY use necro for vamp form. Where I hunt, I can get from 0 fame to Lord in 35 minutes (timed it). So Karma is never a problem.

Since I only die when I am PK'ed, I cast Vamp Embrace but rarely. The native 20% life leech, +4 MR, is outstanding. Dun need to cast anything else really. Maybe curse wep if you are in trouble.

For Chiv, I only really cast sacred Journey, Enemy of one. Divine fury occasionally ( I have a total of +11 stamina regen), and close wounds only when I try to take on more than I can chew. i select my weapons for what I am hunting, modd'ed with appropriate ore, to do highest damage without casting consecrate.

My main tactic is enemy of one. Then I rely on lightning strike and counter attack for damage. Rarely, you get a double lightning strike from counter attack and a consectutive hit. So amazing to see two 208 pt damage strikes.

For healing, I really use confidence the most after life leech from vamp form. You can do it on the run, and between spawns.

hiding, stealth, ninja, mage, eval and tracking and start looting those dupers houses