" It's hard to tell which NPC's have quests to offer. I have approached some NPCs several times, and they have nothing for me, then after I level-up they have a quest for me. But I would never know it unless I talk to every NPC every time I level up."
An NPC is offering a quest is you see a flag over their head. All but one I'm aware of are in Port Royal (very essential quests if you're looking to add more coin). The bartender in the shanty town in Tortuga offers mercenary quests.
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