Khawaja Ahmad deerbi (RA) wrote in his book Mujarribaat-e-deerbi that a person whoever would recite surah Ikhlas and surah Qadr on pure water and sprinkle on new clothes before wearing them. Then till the time the dress would remain with him for his wearing, he would not have financial problems. The people whose knees crack a lot, they have a deficiency of vitamin D 3 in them. By removing the deficiency of vitamin D 3 they become alright. (Engineer Zafar Yaab Ali, SIalkot).