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To make money I go hunting around Padres. I've got a war sloop and I'll hunt down War Galleons and the Ghost ships. I can get 200-400 gold per run with minimal damage to my ship. I've also put 3 points into the Treasure Hunter skill and I do get a lot more treasure chest/royal chest plunder than just crates. It probably doesn't hurt that I'm going after lvl 20+ ships instead of lower level ones too.
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