Best way to make gold/karma/skillpoints?
I would start by doing the special grinds. This is for sunrise, the dungeon ascalonean catacombs in explorable mode and WvW for the badges.
AC gives a good amount of headstart with your gold and experience (for skillpoints) and helps you get the 500 ascalonian tears needed
WvW gives a good amount of Karma and gold (and helps you get the badges you need)
After that to get the rest I would advise you to also make sure you got the 100% completion gift, cause that will also reward xp, karma and gold.
When all special things are done and you only are in need of money and karma I would start focussing on grinding specially for the gold, karma and experience. The best way is to do world events in high level areas wich also spawns a lot of different enemy and rewards an endchest (for example, the shatterer is a very nice event for karma, but it is only one kill so you don’t get a lot of xp and gold from drops. The maelstrom volcano chain however has a lot of enemy’s to kill specially in the second stage (defend the asura’s while wave after wave of destroyers try to attack them).
Best is to pick 2-3 of those events and use time in between them to travel there. to save money go on foot and do whatever normal dynamic event you see on the way (off course depending how much time you have left to get to the next place).
Arise, opressed of Tyria!