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That is weird. Things that could lower your income would be:
Your capital is very close to a gold resource (the distance to the closest resource of a certain type determines what it is worth).
An AI merchant is on the other gold resource.
But 100 for gold seems extremely low even under those conditions.
must be a bugged game :(
if you are playing 1.0, then merchant skill is bugged.
The amount merchants make differ greatly in 1.0 and 1.2 versions. With the same merchants on the same resources in 1.0 I hardly made 1000 florins per trun. In 1.2 however I make about 5200 florins... which makes merchants totally worth it. I tried to add the screenshotr but just couldn't do it. I am such an ignorant person.
Resources have a base value; gold, ivory and silk are the most valuable commodities in the game I think. The actual modified value is based on the distance between your capital and the closest source of a particular resource, so silk is highly valuable to the English with the capital in London, but really cheap for the Byzantines who have 2 silk in Constantinople and 2 just east of the Hellespont. The vanilla version of the game had a bug where every time the game was loaded it lost that distance calculation. The work-around in 1.0 is to move your capital and then move it back every time you load up the game, which forced it to recalculate resource value for distance.
Merchants are definitely worth it. Try training up a merchant to lvl 5-6 and then go hunting:)
Oops.