Sometimes things are not as bad as they seem. There is often a silver lining. The markets have been disastrous lately but this is not the end of civilization as we know it. The market cannot fall forever, and there are reasons companies are valued the way they are. Yes, there will be some pain ahead and we have already experienced some lately, but I think now is an opportunity to pick your spots to buy low so you can sell high later. I'm not recommending to put it all on the line right now. That's not prudent, but I do think that there are opportunities out there if you have some money that you are willing to risk for the potential reward. If you cannot afford to lose any money, your thinking is probably very different than mine in this column. Don't get me wrong, I'm not looking to lose money. I hate to lose money. But, if I lost a small amount on this investment, I won't be heading to the poorhouse. I am willing to take on the risk associated with this market. Now, back to that silver lining. I will use an example from the NFL this season since I think it illustrates my point perfectly. The Tennessee Titans lost their franchise quarterback, Vince Young , to a knee injury earlier in the year. Throw in concerns about Young's mental state and his commitment to pro football, and the Titans had the possibility to fall into oblivion. With the season just getting started, they could have fallen off the deep end.