On your PS4’s “home screen”, go to “Settings” (should be to the right of “Trophies”, and left of “Power”). From there, scroll down until you see an option labeled as “System” (below “Power Save Settings”, and above “Initializarion”). Upon clicking on it, scroll down until you see an option listed as “Boost Mode”. You HAVE to do top tier writs in order to have a chance for a Master Writ to even drop. Crafting knowledge (traits, motifs, recipes, runes translated, ingredient properties, etc.) help to improve the chances of getting one, but we don't know how much it improves the RNG. Oct 22, 2018 You can check The Elder Scrolls Online's system requirements below. PC RECOMMENDED SYSTEM REQUIREMENTS. Operating System: Windows 7/Windows 8.1 64-bit. Processor: Intel® Core™ i5 2300 or AMD FX4350. System RAM: 8GB. Hard Disk Space: 85GB free HDD space. GPU: Direct X 11.0 compliant video card with 2GB of RAM (NVIDIA® GeForce® GTX 750.
Diversification is the ability of an active employee stock ownership plan (ESOP) participant to exchange employer securities held in his or her ESOP account for cash or other investments. As the adage goes, you don’t want all your eggs in one basket. Having a diverse retirement portfolio can reduce an employee’s financial risk. To avoid having most of their retirement savings invested in just one company, ESOP participants who meet certain eligibility requirements may elect to cash in a portion of their ESOP stock account to diversify their investments.
Under Internal Revenue Code Section 401(a)(28), a “qualified participant” is any employee who has reached age 55 and completed at least 10 years of participation in the ESOP. A plan sponsor may choose to have more liberal provisions within the plan but must at least meet these minimum requirements. For example, an ESOP could allow any participant who has reached age 50 and completed five years of service to diversify.
The qualified participant must be allowed to make his or her diversification election within 90 days of each “qualified election period.” Many ESOPs may not know the final stock allocation or stock value by the end of this 90-day period. In general, the ESOP should provide a qualified participant with information and a revocable election to diversify within the 90-day period. After the total share value is known, the ESOP should provide the participant with an updated notice and an opportunity to change his or her initial election.
The qualified election period is the six-plan-year period that begins with the first plan year in which the participant becomes a qualified participant. During the first year of the qualified election period, an ESOP participant may elect to diversify up to 25 percent of the shares of employer stock that have been allocated to his or her account after 1986. Diversification elections are cumulative in nature, meaning any amount diversified in a given year reduces the total number of shares eligible for diversification in subsequent years. For example:
- Kate becomes a qualified participant in 2017 and has 400 shares in her ESOP account.
- Kate elects to diversify the full 25 percent in 2017 (400 shares x 25 percent = 100 shares).
- For the next four years, Kate decides not to diversify any shares.
- In 2022—Kate’s final year of eligibility for diversification—she has 600 shares in her ESOP account and chooses to diversify the full 50 percent.
- The amount of shares Kate can diversify is calculated as follows:
Note that there’s a de minimis exception to the diversification requirement. If the fair value of the employer stock allocated to the qualified participant’s account is $500 or less, the ESOP isn’t required to offer diversification. This amount is measured on the valuation date immediately preceding the diversification election.
Three options can be used to satisfy an ESOP’s diversification requirement:
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- The ESOP may make a distribution directly to the participant. The participant may then choose to reinvest the funds on his or her own. One thing to note with this option is that unless the distributed funds are rolled over into an IRA or another qualified plan, the individual may be subject to income tax or early withdrawal penalties on the amount distributed.
- The ESOP may establish at least three diversified investment funds with the plan that participants can choose to invest in.
- The diversified funds could be transferred to another qualified retirement plan maintained by the employer, such as a 401(k) plan, as long as that plan offers at least three distinct investment options.
As with any plan matter, it’s important to understand the diversification provisions included within your specific plan document. From a company perspective, it’s critical for management of ESOP-owned companies to understand the diversification requirements and plan for the cash needed to fund diversification elections.
To learn more about diversification, contact Cara or your trusted BKD advisor.
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¹Access to DLC game packs available in the Crown Store (2021 Blackwood Chapter not included) and character progression bonuses available for the duration of membership. Any progress made using the progression bonuses during the time of membership will remain. ²In the event your ESO Plus membership expires, you'll still be able to access any resources stored in your Craft Bag; you just won't be able to add new materials to it. 3Total Crown allotment will be delivered at the time of purchase.
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To add an ESO Plus membership to a console account, please log in to the PlayStation®Store or Xbox Games Store from the appropriate console and visit the ESO page. If on PC/Mac, you may update or cancel your membership at any time by going to the 'Manage Membership' page on your Elder Scrolls Online account. Any cancellation will be effective at the end of your then-current membership term. For more information on ESO Plus™, click here. ZeniMax reserves the right to change the fees or billing methods at any time upon notice to you through your account. If you pay a periodic (e.g., monthly) subscription or membership fee for a Service, ZeniMax will provide you with at least thirty five (35) days advance notice of any such changes.