Yogurticecream
04-16-2010, 08:46 AM
We all know the pain of tax in Mabinogi. This guide is especially for those who are very frugal and tight on money-spending in Mabinogi.
For the Nation!
~Table of Contents~
1. Know your important Mabinogi taxes and fees.
2. Legality of tax and fees evasion
3. Requirements for tax and fees evasion
4. How do you evade taxes
5. Credits
1. Know your important Mabinogi taxes and fees.
For every 50,000 gold (one big moneybag) you deposit into the bank, 10% is paid back to the bank. You end up depositing only 45,000 gold and 5,000 gold is given as bank transaction fees. This also applies for depositing money from your house.
Taking out a check requires a 5% processing fee, meaning that if you withdraw a 50,000 check, you have to pay 2,500 gold. You pay 52,500 gold as a result of getting a 50,000 check.
If you receive mail that needs to be paid for, you have to pay an additional 5% of the requested amount if paid from money on-hand, or an additional 10% of the requested amount if you are paying by bank transaction.
If you buy anything in player shops, NPC shops or housing that cost over 50,000 gold and choose to pay by bank transaction, an additional 5% processing fee will be charged (same fees for taking out checks).
On a Wednesday, the bank transaction fees drop by 25%. (Eg. 10% fees rate will drop to 7.5%.)
On a Wednesday, there is a decrease in prices (5%) for items in NPC shops.
2. Legality of tax evasion
Is there a tax police in Mabinogi?
I doubt it, and I feel you are relatively safe unless you are printing money, which is not what I'm going to teach you how to do.
Some methods do however require help of a friend, or dual-clienting with two accounts, or two computers with two accounts. It depends on how you will want to do it. Do whatever you think is comfortable, or you can always choose to play legitly and not evade taxes at all.
3. Requirements for tax and fees evasion
- You need a lot of Big moneybags. 5-6 Big moneybags is good, and having 10 will be even better. If you are short on moneybags, you can also borrow from friends.
- For two scenarios below, you need access to service, be it paid or beginner service.
4. How do you evade taxes
Scenario 1: You want to buy something from an NPC, and you want a discount.
Example 1: You want to enchant your Jackal/Racoon Cub suit, you want to prepare a ton of Viper outfits and so you need magical clothing from Fleta.
Example 2: You want to buy a Lace Tier Skirt from Tara auction NPC (It costs 600k and you want a discount.
I recommend a lot of Big moneybags for the first example. Most of the magical clothing are under 200k, and having 5-6 moneybags is usually enough.
However, if the clothing that you are buying is really expensive, like the Lace Tier Skirt and many other fashionable items offered by Tara auction NPC (in future updates), it's not feasible to have so many moneybags just for the item. In which case, you have purchase it by bank transaction.
For both examples, it's best to buy the items on a Wednesday to get your 5% discount. You will also want to look out for a good colour on the outfit to save some money on dyes.
Scenario 2: You are a House Owner, and you don't want to pay the 10% deposit fees.
You need a few moneybags to withdraw from housing, 50,000 gold at a time.
Give these moneybags to your pet.
Logout of your main character.
Place an alternate character at Tir, and buy a few Tir beginner shop license from Bebhinn the Banker. (Bebhinn Merchant License No. 1) Each Tir beginner shop license costs 100 gold.
Take out all your moneybags from the pet, and give all these moneybags to a second character to hold it.
Open your shop, and place useless items (like cobwebs) for sale at 50,000 gold.
Allow the second character to purchase the item.
Close the shop, and deposit the license back into your own bank.
Withdraw checks if your bank cannot hold any more money.
The reason for this is because there is no sales and exchange fee for the No. 1 license. You can use other licenses, but they will be more costly at 4k+ each and there is a 1% sales and 1% exchange fee.. You will not need to spam licenses if you use these.
If you use the No. 1 license, you retain the 10% that you will normally pay to the bank for depositing directly.
You will also have saved a lot if you want to withdraw a check. In this way, you only spend 2,500 gold for withdrawing a 50,000 gold check. If you went through the usual way, you would have to spend 5,000 gold to deposit that amount and then 2,500 gold to withdraw your check, which is three times more. It may be a small amount, but it will add up to a huge sum of money with bigger deposits.
E.g. You deposit 5 million to the bank by this method, and you've saved at least 500k gold. Think of the things you can buy with 500k gold that would have otherwise have been lost forever to the Great Bank of Mabinogi!
Here are some pictures to help explain the benefits to the confused.
http://img502.imageshack.us/img502/38/feeevade1.png
http://img502.imageshack.us/img502/1320/feeevade2.png
Scenario 3: You are a free service user who earns gold in any way possible (farming, opening mule shops) and wants to keep excess money in checks.
This is tricky, because you need free service to do this. Use the same method as listed as scenario 3, except that you will deposit to the bank of the character with free beginner service and withdraw your checks after that.
5. Credits
- Mabinogiworld wiki (Bank page (http://wiki.mabinogiworld.com/index.php?title=Bank) for all the tax information)
- Arsik (for finding my tax evasion images on old forums)
P.S. This guide is for Mabination. It should not appear elsewhere without my permission.
For the Nation!
~Table of Contents~
1. Know your important Mabinogi taxes and fees.
2. Legality of tax and fees evasion
3. Requirements for tax and fees evasion
4. How do you evade taxes
5. Credits
1. Know your important Mabinogi taxes and fees.
For every 50,000 gold (one big moneybag) you deposit into the bank, 10% is paid back to the bank. You end up depositing only 45,000 gold and 5,000 gold is given as bank transaction fees. This also applies for depositing money from your house.
Taking out a check requires a 5% processing fee, meaning that if you withdraw a 50,000 check, you have to pay 2,500 gold. You pay 52,500 gold as a result of getting a 50,000 check.
If you receive mail that needs to be paid for, you have to pay an additional 5% of the requested amount if paid from money on-hand, or an additional 10% of the requested amount if you are paying by bank transaction.
If you buy anything in player shops, NPC shops or housing that cost over 50,000 gold and choose to pay by bank transaction, an additional 5% processing fee will be charged (same fees for taking out checks).
On a Wednesday, the bank transaction fees drop by 25%. (Eg. 10% fees rate will drop to 7.5%.)
On a Wednesday, there is a decrease in prices (5%) for items in NPC shops.
2. Legality of tax evasion
Is there a tax police in Mabinogi?
I doubt it, and I feel you are relatively safe unless you are printing money, which is not what I'm going to teach you how to do.
Some methods do however require help of a friend, or dual-clienting with two accounts, or two computers with two accounts. It depends on how you will want to do it. Do whatever you think is comfortable, or you can always choose to play legitly and not evade taxes at all.
3. Requirements for tax and fees evasion
- You need a lot of Big moneybags. 5-6 Big moneybags is good, and having 10 will be even better. If you are short on moneybags, you can also borrow from friends.
- For two scenarios below, you need access to service, be it paid or beginner service.
4. How do you evade taxes
Scenario 1: You want to buy something from an NPC, and you want a discount.
Example 1: You want to enchant your Jackal/Racoon Cub suit, you want to prepare a ton of Viper outfits and so you need magical clothing from Fleta.
Example 2: You want to buy a Lace Tier Skirt from Tara auction NPC (It costs 600k and you want a discount.
I recommend a lot of Big moneybags for the first example. Most of the magical clothing are under 200k, and having 5-6 moneybags is usually enough.
However, if the clothing that you are buying is really expensive, like the Lace Tier Skirt and many other fashionable items offered by Tara auction NPC (in future updates), it's not feasible to have so many moneybags just for the item. In which case, you have purchase it by bank transaction.
For both examples, it's best to buy the items on a Wednesday to get your 5% discount. You will also want to look out for a good colour on the outfit to save some money on dyes.
Scenario 2: You are a House Owner, and you don't want to pay the 10% deposit fees.
You need a few moneybags to withdraw from housing, 50,000 gold at a time.
Give these moneybags to your pet.
Logout of your main character.
Place an alternate character at Tir, and buy a few Tir beginner shop license from Bebhinn the Banker. (Bebhinn Merchant License No. 1) Each Tir beginner shop license costs 100 gold.
Take out all your moneybags from the pet, and give all these moneybags to a second character to hold it.
Open your shop, and place useless items (like cobwebs) for sale at 50,000 gold.
Allow the second character to purchase the item.
Close the shop, and deposit the license back into your own bank.
Withdraw checks if your bank cannot hold any more money.
The reason for this is because there is no sales and exchange fee for the No. 1 license. You can use other licenses, but they will be more costly at 4k+ each and there is a 1% sales and 1% exchange fee.. You will not need to spam licenses if you use these.
If you use the No. 1 license, you retain the 10% that you will normally pay to the bank for depositing directly.
You will also have saved a lot if you want to withdraw a check. In this way, you only spend 2,500 gold for withdrawing a 50,000 gold check. If you went through the usual way, you would have to spend 5,000 gold to deposit that amount and then 2,500 gold to withdraw your check, which is three times more. It may be a small amount, but it will add up to a huge sum of money with bigger deposits.
E.g. You deposit 5 million to the bank by this method, and you've saved at least 500k gold. Think of the things you can buy with 500k gold that would have otherwise have been lost forever to the Great Bank of Mabinogi!
Here are some pictures to help explain the benefits to the confused.
http://img502.imageshack.us/img502/38/feeevade1.png
http://img502.imageshack.us/img502/1320/feeevade2.png
Scenario 3: You are a free service user who earns gold in any way possible (farming, opening mule shops) and wants to keep excess money in checks.
This is tricky, because you need free service to do this. Use the same method as listed as scenario 3, except that you will deposit to the bank of the character with free beginner service and withdraw your checks after that.
5. Credits
- Mabinogiworld wiki (Bank page (http://wiki.mabinogiworld.com/index.php?title=Bank) for all the tax information)
- Arsik (for finding my tax evasion images on old forums)
P.S. This guide is for Mabination. It should not appear elsewhere without my permission.