Whenever you face any adversity
"Dear Islamic brothers! Whenever you face any adversity such as illness, debt, court case, opposition from enemy, unemployment, unforeseen problem, loss of something, or if you are hurt or beaten by someone, or if you stumble over something or are stuck in a traffic jam or suffer financial or commercial loss or are burgled or your car etc. breaks down - in brief, whether you have a major problem or a minor one, develop a habit of reciting بِسۡمِ اللّٰهِ الرَّحۡـمٰنِ الرَّحِيۡمِ وَلَاحَوۡلَ وَلَا قُوَّةَ اِلَّا بِاللّٰهِ الۡعَلِيِّ الۡعَظِيۡم. Virtuous intention will lead to destination – that is, if recited with a firm belief, it will benefit you, اِنْ شَــآءَالـلّٰـه عَزَّوَجَلَّ. (Faizan-e-Sunnat, Blessings of Sunnah,VOLUME 1) "