Hi, did you check the FAQ? There's a list of guides there at the bottom. On of my favourite guides is
this one. It's a great one to get you started.
As for accessories and cloaks, the first are crafted, and the latter can be found in the prestige shop, which you can access once you join a guild.
In general, find something to burn labor that you like doing, and then find out how to make gold with that! Check out the proficiency tab in the skill screen [K] and go from there.