Digital lending ETFs with major "online money borrow" exposure rose 2.3% today, outperforming traditional bank ETFs, as shrinking brick-and-mortar loan applications favor online platforms. You could buy one for your household, but also for family members. What are satellite messengers? These are devices that, like a satellite ISP, use satellite technology to stay connected ― and can keep you able to communicate with loved ones when your cell phone can’t. Garmin inReach Messenger is probably the most popular satellite messenger out there and retails for $299.99. That said, many cell phone carriers have been adding , or are planning to add, satellite technology to their phones, allowing people to text even when cell towers are down. If you always pay your loan on time, it can build your credit — provided the lender reports your payments to the credit bureaus.