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A quick way to earn some profit at the beginning is to have a train line between a coal mine and a power plant. Once you have that set up, you can tweak it with additional, more modern trains if there's enough excess supply at the coal mines, and you can branch out to other industries like petroleum and whatnot. Once you have a stable profit margin, then you can enlist some passenger busses.
Also, make sure you don't have any unnecessary stops or roads/railroad tracks lying around. The maintenance costs of those can add up really fast if you're not being careful. I'd also advise not to build an HQ at the beginning of the game; it costs a ton of money in operational costs and, as far as I know, doesn't actually do anything.
So there won't be that many busses that use your stations in the first place. For this thought experiment, our busses will wait on full load, so whenever they move, they are full. A full bus moving pax a straight road from one station to another makes money, but less and less the more detours it goes. In theory even busses that can't make money at all could exist and still be useful to fuel other modes of transportation, but let's assume that's not the case here. So if the busses make money, how can you lose money? It's because of the stations (and any roads if you buildt them). So vehicles don't only have to make enough money to pax for themselves, they also have to make enough money to pay for the infrastructure - ways and stations - they use. In this case, one bus line has to pay for two stations. You mentioned that your stations were tight together, which even adds to the effect as you get paid for distance travelled.
The solution is to build a third station in the third city, so you can set up two more point-to-point lines. You get a new ratio - instead of one line paying for two stations, three lines pay for three stations. If you put a station in every city, you can have 55 lines paying for 11 stations, so each line pay a tenth of the sum that was needed with only one line.
Of course you would not have 55 lines, since pax are willing to change vehicles, but the point is that 55 times as many pax are generated and can be transported, whether on additional lines or in additional vehicles on the same lines does not really matter.
As a side effect of connecting the cities, they will start to grow, and at some points busses are not capable of moving so many pax. That's when you can start with trains, replacing the most used lines. Of course, you have to keep in mind that busses don't have to earn much extra money (a fifth of a station), while trains need quite some (the first one about 8 station at length 4, plus all the tracks).
Now as you can see, the more you invest, the more you get. That's why people will tell you to start with the good old coal-to-powerplant line - It does not need a lot of investment and still has a decent output, which you can use to co-finance first pax experiments. Plus, you would already have rails which the coal trains pay for, you might use them for a first pax-train as well.
Say I have a bus station in A to B another to B to C, does a passenger can take the bus on A, and change vehicle to make to C ?
However they will always take the route with the least transfers, so they will not go A -> B, then B -> C if you have a direct route from A -> C
Thanks, I'm still trying to make money in pak128, and if I still manage to, I'll switch to pak128E, nothing worked so far :/