Woman going into her backyard without a scarf

Q: When I go outside to my back garden to throw something in the trashbin or do quick task, sometimes I don’t wear a headscarf or I wear it loosely. It can be inconvenient to have to put on proper hijab if I’m only going to go out for a few seconds. However, I usually peek out to see if the neighbours opposite our house have their lights on in their window and/or if they are actually looking out of the window at the time of me going to the garden. If I can see them then I will cover myself, otherwise I won’t. If a couple of strands of hair are visible then I don’t see it as an issue as they would not be able to see my hair all the way from their window. Is what I’m doing permissible?

Meaning of "Allah Paak will call you to perform Umrah"

Q: I heard many people say, including my husband, that when Allah pak will call you that's when you will perform Umrah but I wanted to know that if you don't have the intention of going, don't have your mind set, ain't done your preparation of going, how can you say your not ready because Allah did not call you, when I didn't even put any efforts myself.

If applying for the visa and then the visa gets rejected will be more like Allah pak does not what you to come yet. Is this right or wrong? Do you need to make the niyyat for anything before you can say that Allah did not want you to do this etc?