People think if you surrender you're giving up.

WSJ: Yielding With a Purpose

According to new research from Brown University, if you spend an hour a day commuting, you surrender sleep, exercise, eating with your family, and food preparation--but not TV time.

MSN: Marathon commuters still find time for TV

But it may also come at the cost of hefty surrender fees or penalties if you decide you need to tap your savings prematurely.

FORBES: Personal Finance

Callability means the issuer can force you to surrender the bond early, and it will do so if interest rates decline a lot after the bond is issued.

FORBES: Magazine Article