Uncharted Waters New Horizons

You should have gotten a 10 point increase if you donated 51% of your money, but that would only be noticeable if you were near enough to change what the fortune teller says.

From the information posted by Greg on the first page, regarding figureheads and carronades, here is what she says if your luck is in certain ranges. She doesn't say anything else, so if you are near the low end of a range she will say the same thing after a 10 point increase. By the way, you will get the same results with small amounts (as long as you donate at least 100 gold) if you donate 51%.

0 – 24 “Oh. I see an ominous shadow across your face. You may be doomed to have a difficult life.”
25-49 “Your fortune doesn’t look very bright. Be careful, and watch out for accidents.”
50-74 “You have an average fortune. But remember, you are the one who carves your own destiny.”
75-99 “You have a good fortune. Have more self-confidence.”
100 “What a strong fortune! You have nothing to fear in this life.”

Yes, I have sometimes thought that it would be nice to have a building too. Maybe a warehouse or two where you could store goods or even items.

The good thing about raising luck is that you can raise it even when you don't have a lot of money. It does take at least 100 gold to raise luck, but if you only have 200 gold on hand that 100 gold is enough to raise luck by 10 points. You can't do anything about a mate's luck, so they are stuck with whatever they normally have.

1 thing though on the PC version I found that Catalina often starts with 0 luck and in terms of donation I think donation of 25 percent of total wealth is more cost effective as it raises your luck by about 6 or 7 points. The total wealth obviously includes bank balance also.

I tried to pinch pennies and borrowed 100 gc at a me to donate in installments of 25 percent at a time but as it is borrowed money ie total wealth is zero, it does not increase luck at all.

Also, donating small amounts can only get your luck up to 90+ percent and would require a 51% donation of a substantial amount to increase luck to 100. I think thay amount is about 2000 gc (hardly substantial except to an early game penny pincher like me). Haven't bothered t9 check using hex editor but perhaps the experts in game mechanics here can shed more light.

Thank you Chaoyun2k. In the PC version I played Joao many times and I have never found my luck to fall after I get it to 100. I do not defect or plunder and I load game of I accidentally meet the luck sucking ghost ships. I read that the luck can change spontaneously but never encountered that.

Yup I think I read that in your old posts re ghost ships. I don't think I remember that option of donating back to church in PC version but will have to verify.

I think another great thing about max luck I haven't seen anyone mentioned is the ability to find springs everywhere excluding the few coastal deserts. Which means I usually stock only about 10 days of water supply during exploration and top up as necessary by going ashore and searching for water. this frees up more space for food and even some cargo and will be able to support a bigger crew in case some is lost on exploration or pirate attacks.