So if you have a Commerce skill of 1, they will lower it by 100, 2 is 200, 3 is 300, and so forth. NOTE: Your Commerce skill comes into play when they lower their prices, a formula would be CommerceSkill x 100 = lowering price. I've pulled off 200,000 gold on one officer with this trick. You can lower them into the NEGATIVE numbers, and when you hire them they will pay YOU. Persistence pays off, even if it seems he won't lower any further, give it time and he will. No matter what he does (lowers his price or says he's worth it) refuse and once again tell him he's charging too much. When hiring an officer, simply talk to him and say that he's charging too much. While ferrying goods between islands is a good way to make a profit, there is another. I have 4 battleships and I have gotten up to 190,000 dollars for just one trip. All you have to do is travel to another island of his choosing and deliver the goods to that islands store.
If you do this with bigger ships you can get at least 30,000 dollars a trip.
An option will appear that asks the owner if he has any supplies that he needs delivered. Go to any shop and ask to talk with them. To get fast money at Oxbay go to loanshark's house go to the tavern and then come out and walk to the tree in front turn right and walk forward to the house go in and talk to the man and when he ask's how much you want there will be three to pick from pick the more the better the man will give you 3000 gold and there is a box that you can put stuff in it just put the money in it and keep taking his money but when the French take over the man will give you more 12000 gold. If you plan to go to the Incan temple go to the maze after Clement and Danielle talk to you, go through the hall defeat the pirate skeletons go to the left from where you came from look at the symbols on the floor follow the thing that looks like a square sun(not the skulls)and it should lead you to this place where 2 skeletons are defeat them and go to the square in the center of the room put the idol there and a door will open go through the door and you will be in the alcove the rest is easy you'll figure it out.
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