It is recommended as one sees the Ka'aba for the first time on arrival for his pilgrimage or Umrah to offer some supplication. It is said that such supplication is sure to be answered. Hence, one should make a short prayer for something he desires most, such as: "My Lord, admit me into heaven without causing me to face the reckoning." Lifting one's hands to greet the Ka'aba from a distance is not recommended.

The proper way to do the tawaf is to come to the area between the corner known as Rukn Al Yamani and the corner of the Black Stone. Joining the worshippers about one meter before the corner of the Black Stone, one makes clear his intention to do the tawaf, which means to go around the Ka'aba seven times either in obligatory or voluntary worship. One must have ablution before starting, because tawaf is a form of prayer with the only difference from regular prayer being that it is not invalidated by ordinary talk. As one walks he is recommended to get to the Black Stone, kiss it and say: "In the name of Allah, Allah is Supreme." or "Bismillah Allahu Akbar." If the place is too crowded, one can lift one's hand and signal to it as he says these words. Then he walks in an anti-clockwise movement around the Ka'aba, going beyond the semicircle part known as Hijr Ismail or Al Hareem. As one reaches the corner known as Rukn Al Yamani, one touches it and says a little supplication. As he gets parallel with the Black Stone, he repeats what he did the first time, kissing it if he can, or signaling to it if he cannot. This is repeated seven times.

It is important to remember that pilgrimage is like all other Islamic duties. They are imposed on every individual, man or woman, in the same degree. When we stand before Allah on the day of judgment, and our deeds are reckoned for or against us, and our destiny is determined on the basis of what we had one in this life, every one of us stands as an individual. The fate of any one of us is never determined by what someone else has done for him or her. Nor is the forgiveness of any person withheld as a result of someone else's failure to do what he is required to do for that person. Pilgrimage is a duty required of every Muslim man or woman. But it does not become a binding duty until a person is able to undertake the journey, from every point of views. That ability includes having enough funds, transport, safety during travel, etc. It also includes in the case of a woman having a male companion who is closely related to her and who is known as "mahrem." When the conditions of ability are not met in the case of any particular person, that person is not required to do the pilgrimage as a duty.

The same applies in the case of a married woman. The conditions of ability must be met by her, not her husband. Therefore, if she does not have enough funds to undertake the pilgrimage, she is not required to go on pilgrimage as a duty. This is true even if her husband is one of the richest people. Some people may be stingy, even when they are rich. If we were to consider that pilgrimage becomes a duty to a woman simply because her husband can afford to give her what is enough for her trip, what would she do if he does not readily come out with the money? Islam does not require her to implore her husband to take her to pilgrimage or to provide her expenses.

Further than that, a woman must not travel without being accompanied by a mahrem, who is her husband or a close relative who she can never marry, such as her father, brother, nephew, etc. If she is taking someone with her as mahrem, she is required to pay his expenses. Therefore, if she has sufficient funds for her own journey and expenses, but she does not have an extra amount to cover the expenses of her mahrem, she is deemed not to be able to undertake her trip. Obviously, it is possible that one of her mahrems may be going on pilgrimage himself. She may accompany him without having to pay his expenses.

If the Company gives loans for buying a car, it suggests that they are pleased with your work and intend to retain you for a long time to come. That will make it easy for you to settle the loan by monthly installments. Moreover, if something should happen to you, the company may take the car and sell it in order to get back the amount it had loaned. The company must consider that the car represents more than sufficient collateral to ensure the payment of their loan. It is perhaps worthwhile to explain an important point about pilgrimage and debt. When a person has incurred a debt, and he needs some time before being able to settle it, he does not fulfill the conditions which make him "able" to do the pilgrimage. In other words, he is not required to do it, since pilgrimage is a duty incumbent on those who are able to undertake the journey. I have already explained that by ability, most scholars mean health and financial ability, as well as the absence of any physical hindrance to prevent from taking the journey. The condition of financial ability is not met by anyone who has a loan to pay. Therefore, he is not required to fulfill the duty of pilgrimage until he has repaid the loan.