The term USEFUL TALENT can be broken down into two crossword solutions: ASSET (5 letters) and RESOURCEFULNESS (15 letters). An ASSET is something of value that can be owned or controlled to produce positive value. It can refer to tangible items such as money, property, or investments, or intangible items such as knowledge, skills, or relationships. RESOURCEFULNESS is the ability to make use of available resources in a creative and effective way. It involves being able to think outside the box and come up with innovative solutions to problems. RESOURCEFULNESS is a useful talent that can be applied to many different areas of life.