Talents

I'm currently reading the book by John Ortberg entitled If You Want To Walk On Water You've Got To Get Out of the Boad. In the current chapter it talks about the parable of the talents. One person was given 5, another 3, and one person was given only 1 talent. In the end the ones given 5 talents and 3 talents took them and used them to multiply their reward. The person give one talent hid his talent in fear of losing it all. I have to ask myself, what have I done with the talents God has given me? Have I used them to all of my ability and multiplied them, have I continued to learn? Or have I hid my talents in fear of losing it all by taking a risk?