If you left your employer in or after the year in which you turned 55, you are not subject to the 10% early withdrawal penalty.*. From 1970 through 2010, the S&P 500 Index has returned an average of 6.6% annually.
1 Thaw breast side down, in an unopened wrapper, with enough cold water to cover your turkey completely. 2  Change water every 30 minutes to keep the turkey chilled. 3  Estimate a minimum thawing time of 30 minutes per lb.old Water Thawing. 1  Thaw breast side down, in an unopened wrapper, with enough cold water to cover your turkey completely. 2  Change water every 30 minutes to keep the turkey chilled.
Refresh the water every half hour, to keep it cold, until the turkey is thawed. For a pound or less of ground turkey, estimate a minimum of an hour of thawing time, then add an extra half hour for each pound after that. The turkey may take a shorter or longer time to thaw, but this will give you a solid starting point.