The term USEFUL THING can be broken down into two crossword solutions: ASSET (5 letters) and TOOL (4 letters). An ASSET is something of value that can be owned or controlled to produce positive value. Examples of assets include cash, investments, and property. A TOOL is an object used to perform a task or job. Tools are often used to make work easier and more efficient. Examples of tools include hammers, screwdrivers, and saws.