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I agree with Crestshot, plundering ships is by far the best way to go. Go out by Padres and Kingheads where it says uncharted waters, there you will find level 37,38,39, and 40 ships, these give the best loot most of the time. Fill up with Royal chests then head to dock, and before you know it you will be rich like me! Or even do flag ships sometimes you can get up to 3 royal chests.
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