NeoDex - User contributions [en]

National Neopian Bank

2008-04-13T23:28:17Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

==Withdrawing Neopoints==
You are only permitted to remove Neopoints from your bank account 15 times in one day.
Some users have chosen to use the PIN feature in order to protect their Neopoints. If you guess your own Neopets PIN incorrectly 5 times in a row, you will be locked out from typing your pin and/or withdrawing Neopoints for about an hour.

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Finding Specific Rates==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by catagory, by keyword, or both at the same time to narrow down results to find an item. The catagories in the safety deposit box read, 

Album Item 
Battledome Equipment 
Books 
Clothes 
Codestones 
Collectable Cards 
Cures 
Dubloons 
Food 
Gift 
Grooming 
Instruments 
Magic Item 
Meridell Potion 
Neogarden 
Neohome 
Paint Brush 
Petpet 
Petpetpet 
School 
Special 
Tiki Tack 
Toys 
Trading Card 
Utility Fish 
World Challenge

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:25:56Z

Yellowsugardog:

{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

==Withdrawing Neopoints==
You are only permitted to remove Neopoints from your bank account 15 times in one day.
Some users have chosen to use the PIN feature in order to protect their Neopoints. If you guess your own Neopets PIN incorrectly 5 times in a row, you will be locked out from typing your pin and/or withdrawing Neopoints for about an hour.

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Finding Specific Rates==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by catagory, by keyword, or both at the same time to narrow down results to find an item. The catagories in the safety deposit box read, 

Album Item 
Battledome Equipment 
Books 
Clothes 
Codestones 
Collectable Cards 
Cures 
Dubloons 
Food 
Gift 
Grooming 
Instruments 
Magic Item 
Meridell Potion 
Neogarden 
Neohome 
Paint Brush 
Petpet 
Petpetpet 
School 
Special 
Tiki Tack 
Toys 
Trading Card 
Utility Fish 
World Challenge

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:25:34Z

Yellowsugardog: /* Finding Specific Rates */

National Neopian Bank

2008-04-13T23:22:02Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

==Withdrawing Neopoints==
You are only permitted to remove Neopoints from your bank account 15 times in one day.
Some users have chosen to use the PIN feature in order to protect their Neopoints. If you guess your own Neopets PIN incorrectly 5 times in a row, you will be locked out from typing your pin and/or withdrawing Neopoints for about an hour.

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Finding Specific Interest Rates==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by catagory, by keyword, or both at the same time to narrow down results to find an item. The catagories in the safety deposit box read, 

Album Item 
Battledome Equipment 
Books 
Clothes 
Codestones 
Collectable Cards 
Cures 
Dubloons 
Food 
Gift 
Grooming 
Instruments 
Magic Item 
Meridell Potion 
Neogarden 
Neohome 
Paint Brush 
Petpet 
Petpetpet 
School 
Special 
Tiki Tack 
Toys 
Trading Card 
Utility Fish 
World Challenge

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:21:46Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

=Withdrawing Neopoints=
You are only permitted to remove Neopoints from your bank account 15 times in one day.
Some users have chosen to use the PIN feature in order to protect their Neopoints. If you guess your own Neopets PIN incorrectly 5 times in a row, you will be locked out from typing your pin and/or withdrawing Neopoints for about an hour.

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Finding Specific Interest Rates==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by catagory, by keyword, or both at the same time to narrow down results to find an item. The catagories in the safety deposit box read, 

Album Item 
Battledome Equipment 
Books 
Clothes 
Codestones 
Collectable Cards 
Cures 
Dubloons 
Food 
Gift 
Grooming 
Instruments 
Magic Item 
Meridell Potion 
Neogarden 
Neohome 
Paint Brush 
Petpet 
Petpetpet 
School 
Special 
Tiki Tack 
Toys 
Trading Card 
Utility Fish 
World Challenge

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:12:55Z

Yellowsugardog: /* Safety Deposit Box */

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Goal Equations==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by catagory, by keyword, or both at the same time to narrow down results to find an item. The catagories in the safety deposit box read, 

Album Item 
Battledome Equipment 
Books 
Clothes 
Codestones 
Collectable Cards 
Cures 
Dubloons 
Food 
Gift 
Grooming 
Instruments 
Magic Item 
Meridell Potion 
Neogarden 
Neohome 
Paint Brush 
Petpet 
Petpetpet 
School 
Special 
Tiki Tack 
Toys 
Trading Card 
Utility Fish 
World Challenge

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:04:47Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

All new applicants recieve 30 Neopoints.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Goal Equations==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:03:54Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. 

The list of jobs to choose from is as follows: 
Chia Custodian 
Wocky Warden 
Korbat Keeper 
Grarrl Guardian 
JubJub Janitor 
Lenny Librarian 
Kiko Caretaker 
Scorchio Supervisor 
Pteri Policeman 
Blumaroo Babysitter 
Chomby Curator 
Nimmo Nurse 
Skeith Secretary 
Aisha Assitant 
Gelert Gardener 
Meerca Master 
Elephante Editor 
Quiggle Quantum Physicist 

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added. 
10,000 NP and below 
10,000 to 25,000 NP 
25,001 to 40,000 NP 
40,001 to 60,000 NP 
60,001 to 90,000 NP 
90,001 to 120,000 NP 
120,001 NP and above 

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Goal Equations==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

National Neopian Bank

2008-04-13T23:03:15Z

Yellowsugardog:

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make.

The list of jobs to choose from is as follows:
Chia Custodian
Wocky Warden
Korbat Keeper
Grarrl Guardian
JubJub Janitor
Lenny Librarian
Kiko Caretaker
Scorchio Supervisor
Pteri Policeman
Blumaroo Babysitter
Chomby Curator
Nimmo Nurse
Skeith Secretary
Aisha Assitant
Gelert Gardener
Meerca Master
Elephante Editor
Quiggle Quantum Physicist

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added.
10,000 NP and below
10,000 to 25,000 NP
25,001 to 40,000 NP
40,001 to 60,000 NP
60,001 to 90,000 NP
90,001 to 120,000 NP
120,001 NP and above

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount of NP !! Interest Rate (per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up. However, users must actively collect the daily interest manually. To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday. Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day. This interest is added to their bank deposit total. If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Goal Equations==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate: ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]

Kadoatery

2008-01-07T00:58:10Z

Yellowsugardog:

The '''Kadoatery''' is where you can feed [[Kadoatie]]s and get trophies based on how many you have fed: Bronze is for 1 Kadoatie, Silver is for 10, and Gold is for 25. You get a special avatar when you have fed 75.
Some items that the Kadoaties ask for are unbuyable such as Blurfs and Vinaroks. It is said that the Kadoatery is where Kadoaties go when their owners are on vacation, but the Kadoaties in the Kadoatery do not actually belong to anyone.

http://images.neopets.com/neopedia/249_owner.gif

Maybe I can finally get some rest!

==How to Feed==
There are three commonly used methods to feed kadoaties: use of the shop wizard, inventory, and safety deposit box.

With the shop wizard method, simply have two windows open: one to the shop wizard, and one to the Kadoatery. When new items show up, find one on the shop wizard, buy it, and feed it to the Kadoatie by clicking on the cage. This method is recommended for those with a speedy internet.

The inventory method is most often recommended for newer feeders, for you only need one window open for this. Buy a number of items, put them into your inventory, and refresh at the kads. If one asks for an item you have, click on the kad. It is recommended to have items of the same group, sharing a similar keyword, or are otherwise easy to remember. Sometimes people use the keyboard command 'control + f' because that brings a search window up in most browzers. If you type in the keyword you have for your foods, it can be easier to find an item you have during a restock.

The safety deposit box is the most reliable when it comes to having items (if you buy enough), but it is considered to be the most expensive method other then feeding unbuyables. You simply buy enough to fill a few inventories, and place the foods into your safety deposit box. Have one window open to the safety deposit box, and one to the kadoatery. If an item shows up that you have, copy and paste into the deposit box search, find it, remove it, and feed it to the kadoatie.

A fourth method which is more uncommon is to just feed the unbuyable Kadoaties. This is not recommended at all, however, because it is quite expensive for one Kadoatie. Although there are less competition for the more expensive kads, this is for a reason.

==Kad Lingo==
If you travel to the boards for times, you may see the following abbreviations or words. Here is an explanation of what they mean.

main = This is when the most of the kads will ask for food. 
mini = This is when a few of the kads that are sort of lagging behind can go. Feeding a kad at a different time then the main causes a mini. See the times system explanation below. 
merge = When both the main and mini go at the same time. If this happens, there is no longer a mini until a kad is fed at a different time then the main. 
hn = had nothing (in the last restock) 
cf = congratulations, feeders! 
glf = good luck feeders (often said a minute before the main, as a sort of warning) 
mewbie = A new feeder. Not a rude term, often used in a friendly sort of way. 
going pink = getting the Kadoatery avatar 
kad = Kadoatie 
pend = When the kadoaties do not go at the earliest time possible. You have to refresh every seven minutes until they do go after the earliest time, and these refreshes are known as pends.

The boards show the next restock in a :xx format, such as 'main @ :23, pending.' This would mean that the main was 23 minutes after the hour, and the kads are late at restocking.

==The Current Times System==
As of June 2007, the time system is as follows:

"Mains":
1. Take the time from the last restock. Add 28 minutes. 
2. Kadoaties cannot go any earlier then 28 minutes after the last restock. Refresh 28 minutes afterwards, at the time you just figured out. Refresh at the beginning of the minute. 
3. Keep refreshing every seven minutes until they do go. The Kadoaties do not always go on time, so you have to refresh every 7 minutes. (When the bulk of the kadoaties go, it is called a main.) 

"Minis":
Sometimes there are kads who do not go with the rest of the kadoaties. They sort of, in a way, lag behind. Figuring out their times is very similar. Minis, as these are called, are created when an unbuyable kad is fed at a different time then the main, or when a kad is fed a minute later then the other Kadoaties.

1. You add 28 minutes to whatever time it was fed. 
2. The minis must be on the same cycle at the main, so if the new mini time is supposed to be 23 minutes after the hour, and the main is at 25 minutes after the hour, you would round down to 18 minutes after the hour for the main. That way, if the group of lagging kads do not go on the first refresh, they have a chance of going with the majority of the kads. 

Sometimes there are no minis, if they went with the main. This is known as a merge (see above)

You can also go to the games boards and find kadding related threads there. They will be able to inform you of the current restock times, and can explain this more indepth if you are confused.

==Trivia==
*The Kadoatery originally opened on September 10, 2004.
*It was originally linked from the main Neopian shops map, but on May 2, 2006 it was removed. Sometime afterwrds it was placed into the Neopian Plaza.
*[[TNT]]'s original plan was to award Kadoaties to people who fed enough Kadoaties at the Kadoatery. However, this idea was abandoned, because it [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 apparently didn't work out].
*Draik Eggs were once fairly common in the Kadoatery, but has since been removed from the feeding list due to the fact they were expensive, and taking up a lot of room in the Kadoatery. Due to the large amount of Draik Eggs in the Kadoatery at once, there were less kads to feed. Draik Eggs have been the only food ever removed from the Kadoatery Food List. [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192].
*Kadoaties cannot ask for Bakery, Gross, Slushie, or items over r95.
*The original time system for when kads would refresh was that there were 30 minutes between mains, and you would begin refreshing every minute after those thirty minutes. It would normally take approximately 7 refreshes until they asked for new food. This system was in use from its opening in September 2004 until September 2006.
*The second time system was from September 2006 until June 2007. It was very similar to the first, except you refreshed on minutes ending in 1 or 6, so basically every 5 minutes.
*Until approximately February/March 2006, there were 4 instead of 5 rows of kads. There was also a kadoatie named chibi_kadoatie_kawaii_baka, but around this time the underscores were removed to make the name shorter.
*On September 20, 2006 there was a glitch that allowed the kads to go at nearly random times, and red draik eggs made a short comeback.
*At 11pm NST every night, the Kadoaties begin to cry, even when they are fed. It has been said that the Kadoaties do not like the dark, and at this time TNT 'turns off the lights in the kadoatery'.

==External links==
*'''Location Link:''' [http://www.neopets.com/games/kadoatery/index.phtml The Kadoatery]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=638 #638], [http://www.neopets.com/games/caption/caption_archive.phtml?place=739 #739]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=158 158], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=159 159], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=168 168], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=169 169], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=213 213], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 239], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=252 252]
*'''Food Lists:''' [http://www.neopets.com/~silverjojo], [http://www.neopets.com/~phil747]
*'''Additional Guides:''' [http://neopets.com/userlookup.phtml?user=karz]

[[Category:Games]]

Kadoatery

2008-01-07T00:55:09Z

Yellowsugardog:

The '''Kadoatery''' is where you can feed [[Kadoatie]]s and get trophies based on how many you have fed: Bronze is for 1 Kadoatie, Silver is for 10, and Gold is for 25. You get a special avatar when you have fed 75.
Some items that the Kadoaties ask for are unbuyable such as Blurfs and Vinaroks.

[{http://images.neopets.com/neopedia/249_owner.gif}]

==How to Feed==
There are three commonly used methods to feed kadoaties: use of the shop wizard, inventory, and safety deposit box.

With the shop wizard method, simply have two windows open: one to the shop wizard, and one to the Kadoatery. When new items show up, find one on the shop wizard, buy it, and feed it to the Kadoatie by clicking on the cage. This method is recommended for those with a speedy internet.

The inventory method is most often recommended for newer feeders, for you only need one window open for this. Buy a number of items, put them into your inventory, and refresh at the kads. If one asks for an item you have, click on the kad. It is recommended to have items of the same group, sharing a similar keyword, or are otherwise easy to remember. Sometimes people use the keyboard command 'control + f' because that brings a search window up in most browzers. If you type in the keyword you have for your foods, it can be easier to find an item you have during a restock.

The safety deposit box is the most reliable when it comes to having items (if you buy enough), but it is considered to be the most expensive method other then feeding unbuyables. You simply buy enough to fill a few inventories, and place the foods into your safety deposit box. Have one window open to the safety deposit box, and one to the kadoatery. If an item shows up that you have, copy and paste into the deposit box search, find it, remove it, and feed it to the kadoatie.

A fourth method which is more uncommon is to just feed the unbuyable Kadoaties. This is not recommended at all, however, because it is quite expensive for one Kadoatie. Although there are less competition for the more expensive kads, this is for a reason.

==Kad Lingo==
If you travel to the boards for times, you may see the following abbreviations or words. Here is an explanation of what they mean.

main = This is when the most of the kads will ask for food. 
mini = This is when a few of the kads that are sort of lagging behind can go. Feeding a kad at a different time then the main causes a mini. See the times system explanation below. 
merge = When both the main and mini go at the same time. If this happens, there is no longer a mini until a kad is fed at a different time then the main. 
hn = had nothing (in the last restock) 
cf = congratulations, feeders! 
glf = good luck feeders (often said a minute before the main, as a sort of warning) 
mewbie = A new feeder. Not a rude term, often used in a friendly sort of way. 
going pink = getting the Kadoatery avatar 
kad = Kadoatie 
pend = When the kadoaties do not go at the earliest time possible. You have to refresh every seven minutes until they do go after the earliest time, and these refreshes are known as pends.

The boards show the next restock in a :xx format, such as 'main @ :23, pending.' This would mean that the main was 23 minutes after the hour, and the kads are late at restocking.

==The Current Times System==
As of June 2007, the time system is as follows:

"Mains":
1. Take the time from the last restock. Add 28 minutes. 
2. Kadoaties cannot go any earlier then 28 minutes after the last restock. Refresh 28 minutes afterwards, at the time you just figured out. Refresh at the beginning of the minute. 
3. Keep refreshing every seven minutes until they do go. The Kadoaties do not always go on time, so you have to refresh every 7 minutes. (When the bulk of the kadoaties go, it is called a main.) 

"Minis":
Sometimes there are kads who do not go with the rest of the kadoaties. They sort of, in a way, lag behind. Figuring out their times is very similar. Minis, as these are called, are created when an unbuyable kad is fed at a different time then the main, or when a kad is fed a minute later then the other Kadoaties.

1. You add 28 minutes to whatever time it was fed. 
2. The minis must be on the same cycle at the main, so if the new mini time is supposed to be 23 minutes after the hour, and the main is at 25 minutes after the hour, you would round down to 18 minutes after the hour for the main. That way, if the group of lagging kads do not go on the first refresh, they have a chance of going with the majority of the kads. 

Sometimes there are no minis, if they went with the main. This is known as a merge (see above)

You can also go to the games boards and find kadding related threads there. They will be able to inform you of the current restock times, and can explain this more indepth if you are confused.

==Trivia==
*The Kadoatery originally opened on September 10, 2004.
*It was originally linked from the main Neopian shops map, but on May 2, 2006 it was removed. Sometime afterwrds it was placed into the Neopian Plaza.
*[[TNT]]'s original plan was to award Kadoaties to people who fed enough Kadoaties at the Kadoatery. However, this idea was abandoned, because it [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 apparently didn't work out].
*Draik Eggs were once fairly common in the Kadoatery, but has since been removed from the feeding list due to the fact they were expensive, and taking up a lot of room in the Kadoatery. Due to the large amount of Draik Eggs in the Kadoatery at once, there were less kads to feed. Draik Eggs have been the only food ever removed from the Kadoatery Food List. [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192].
*Kadoaties cannot ask for Bakery, Gross, Slushie, or items over r95.
*The original time system for when kads would refresh was that there were 30 minutes between mains, and you would begin refreshing every minute after those thirty minutes. It would normally take approximately 7 refreshes until they asked for new food. This system was in use from its opening in September 2004 until September 2006.
*The second time system was from September 2006 until June 2007. It was very similar to the first, except you refreshed on minutes ending in 1 or 6, so basically every 5 minutes.
*Until approximately February/March 2006, there were 4 instead of 5 rows of kads. There was also a kadoatie named chibi_kadoatie_kawaii_baka, but around this time the underscores were removed to make the name shorter.
*On September 20, 2006 there was a glitch that allowed the kads to go at nearly random times, and red draik eggs made a short comeback.

==External links==
*'''Location Link:''' [http://www.neopets.com/games/kadoatery/index.phtml The Kadoatery]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=638 #638], [http://www.neopets.com/games/caption/caption_archive.phtml?place=739 #739]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=158 158], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=159 159], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=168 168], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=169 169], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=213 213], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 239], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=252 252]
*'''Food Lists:''' [http://www.neopets.com/~silverjojo], [http://www.neopets.com/~phil747]
*'''Additional Guides:''' [http://neopets.com/userlookup.phtml?user=karz]

[[Category:Games]]

Kadoatery

2008-01-07T00:49:46Z

Yellowsugardog:

The '''Kadoatery''' is where you can feed [[Kadoatie]]s and get trophies based on how many you have fed: Bronze is for 1 Kadoatie, Silver is for 10, and Gold is for 25. You get a special avatar when you have fed 75.
Some items that the Kadoaties ask for are unbuyable such as Blurfs and Vinaroks.

==How to Feed==
There are three commonly used methods to feed kadoaties: use of the shop wizard, inventory, and safety deposit box.

With the shop wizard method, simply have two windows open: one to the shop wizard, and one to the Kadoatery. When new items show up, find one on the shop wizard, buy it, and feed it to the Kadoatie by clicking on the cage. This method is recommended for those with a speedy internet.

The inventory method is most often recommended for newer feeders, for you only need one window open for this. Buy a number of items, put them into your inventory, and refresh at the kads. If one asks for an item you have, click on the kad. It is recommended to have items of the same group, sharing a similar keyword, or are otherwise easy to remember. Sometimes people use the keyboard command 'control + f' because that brings a search window up in most browzers. If you type in the keyword you have for your foods, it can be easier to find an item you have during a restock.

The safety deposit box is the most reliable when it comes to having items (if you buy enough), but it is considered to be the most expensive method other then feeding unbuyables. You simply buy enough to fill a few inventories, and place the foods into your safety deposit box. Have one window open to the safety deposit box, and one to the kadoatery. If an item shows up that you have, copy and paste into the deposit box search, find it, remove it, and feed it to the kadoatie.

A fourth method which is more uncommon is to just feed the unbuyable Kadoaties. This is not recommended at all, however, because it is quite expensive for one Kadoatie. Although there are less competition for the more expensive kads, this is for a reason.

==Kad Lingo==
If you travel to the boards for times, you may see the following abbreviations or words. Here is an explanation of what they mean.

main = This is when the most of the kads will ask for food. 
mini = This is when a few of the kads that are sort of lagging behind can go. Feeding a kad at a different time then the main causes a mini. See the times system explanation below. 
merge = When both the main and mini go at the same time. If this happens, there is no longer a mini until a kad is fed at a different time then the main. 
hn = had nothing (in the last restock) 
cf = congratulations, feeders! 
glf = good luck feeders (often said a minute before the main, as a sort of warning) 
mewbie = A new feeder. Not a rude term, often used in a friendly sort of way. 
going pink = getting the Kadoatery avatar 
kad = Kadoatie 
pend = When the kadoaties do not go at the earliest time possible. You have to refresh every seven minutes until they do go after the earliest time, and these refreshes are known as pends.

The boards show the next restock in a :xx format, such as 'main @ :23, pending.' This would mean that the main was 23 minutes after the hour, and the kads are late at restocking.

==The Current Times System==
As of June 2007, the time system is as follows:

"Mains":
1. Take the time from the last restock. Add 28 minutes. 
2. Kadoaties cannot go any earlier then 28 minutes after the last restock. Refresh 28 minutes afterwards, at the time you just figured out. Refresh at the beginning of the minute. 
3. Keep refreshing every seven minutes until they do go. The Kadoaties do not always go on time, so you have to refresh every 7 minutes. (When the bulk of the kadoaties go, it is called a main.) 

"Minis":
Sometimes there are kads who do not go with the rest of the kadoaties. They sort of, in a way, lag behind. Figuring out their times is very similar. Minis, as these are called, are created when an unbuyable kad is fed at a different time then the main, or when a kad is fed a minute later then the other Kadoaties.

1. You add 28 minutes to whatever time it was fed. 
2. The minis must be on the same cycle at the main, so if the new mini time is supposed to be 23 minutes after the hour, and the main is at 25 minutes after the hour, you would round down to 18 minutes after the hour for the main. That way, if the group of lagging kads do not go on the first refresh, they have a chance of going with the majority of the kads. 

Sometimes there are no minis, if they went with the main. This is known as a merge (see above)

You can also go to the games boards and find kadding related threads there. They will be able to inform you of the current restock times, and can explain this more indepth if you are confused.

==Trivia==
*The Kadoatery originally opened on September 10, 2004.
*It was originally linked from the main Neopian shops map, but on May 2, 2006 it was removed. Sometime afterwrds it was placed into the Neopian Plaza.
*[[TNT]]'s original plan was to award Kadoaties to people who fed enough Kadoaties at the Kadoatery. However, this idea was abandoned, because it [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 apparently didn't work out].
*Draik Eggs were once fairly common in the Kadoatery, but has since been removed from the feeding list due to the fact they were expensive, and taking up a lot of room in the Kadoatery. Due to the large amount of Draik Eggs in the Kadoatery at once, there were less kads to feed. Draik Eggs have been the only food ever removed from the Kadoatery Food List. [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192].
*Kadoaties cannot ask for Bakery, Gross, Slushie, or items over r95.
*The original time system for when kads would refresh was that there were 30 minutes between mains, and you would begin refreshing every minute after those thirty minutes. It would normally take approximately 7 refreshes until they asked for new food. This system was in use from its opening in September 2004 until September 2006.
*The second time system was from September 2006 until June 2007. It was very similar to the first, except you refreshed on minutes ending in 1 or 6, so basically every 5 minutes.
*Until approximately February/March 2006, there were 4 instead of 5 rows of kads. There was also a kadoatie named chibi_kadoatie_kawaii_baka, but around this time the underscores were removed to make the name shorter.
*On September 20, 2006 there was a glitch that allowed the kads to go at nearly random times, and red draik eggs made a short comeback.

==External links==
*'''Location Link:''' [http://www.neopets.com/games/kadoatery/index.phtml The Kadoatery]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=638 #638], [http://www.neopets.com/games/caption/caption_archive.phtml?place=739 #739]
*'''Editorial:''' [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=158 158], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=159 159], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=168 168], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=169 169], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=213 213], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=239 239], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=252 252]
*'''Food Lists:''' [http://www.neopets.com/~silverjojo], [http://www.neopets.com/~phil747]
*'''Additional Guides:''' [http://neopets.com/userlookup.phtml?user=karz]

[[Category:Games]]