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Karen-kho.com is a fitness and lifestyle blog. The blogger, Karen, is a fitness addict who likes sharing fitness tips on social media, and who aspires to motivate her followers to lead a fitter, healthier lifestyle. Karen also casually blogs about her travels, beauty and fashion. More info...
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Shopping for everyday items has never been easier for me.

I’ve found a new way of purchasing, which is Visa payWave. I have been start using it to get my morning coffee from Starbucks everyday. The best part is...I don't have to carry cash around. It is safe and secure to use. Gone are the days of fumbling around for change or holding up long queues!

Visa PayWave make life easier for the savvy shopper or everyday buyers

From the creation of financial services such as credit and debit cards, here’s another payment method that aims to make our life easier! Visa payWave is the latest in secure, contactless technology. It will help you spend less time at the cash counter and give you the freedom to do the things that matter most to you. However, rumours and scares have surfaced surrounding this, causing people to question its safety and security features. Well, don’t worry about it. Scroll down and read more about Visa PayWave now. 

What is This PayWave Thing Anyway? 

Visa payWave is a fast and convenient way to pay for every day purchases. It is a secure, contactless chip technology designed to help you spend less time at the cashier.

Visa payWave can be found on credit, debit and prepaid cards, and may be enabled on a mobile phone or a sticker. The technology allows you to pay by simply ‘waving’ your card or phone when prompted by the contactless reader at the till or checkout. Most of the time, you won’t be asked to sign or enter a PIN below RM200, but for more expensive purchases you always will. 

PayWave lets you bypass this circus, and conclude payment in minutes. MINUTES. Go to the terminal, scan, swipe, and leave. That’s it.  So if you’re not the sort who visits supermarkets for fun, you might want to get a Visa debit or credit card with the payWave function. It’s more convenient as you no longer have to carry around cash

It is Safe and secure. 

Visa payWave contactless cards are as secure as any other Visa chip card. They carry the same multiple layers of security, which ensures that you are safe from fraudulent or unauthorised transactions.  Visa payWave cards work when the card is within 4cm of the card reader and the payWave terminal can only process one transaction at a time. Because your Visa payWave card doesn't leave your hand during the transaction, you remain in control of your card at all times.

Could I unknowingly have made a purchase if I walk past the reader? No. Your card has to be waved within 4cm of the card reader for more than half a second and the retailer must have first entered the amount for you to approve. Terminals can only process one payment transaction at a time, therefore reducing transaction errors.

What features of a contactless card make it secure?

The security features of Visa payWave-enabled cards and mobile devices include:
• Ultra short read range – generally less than 4cm
• Your Visa payWave card has its own, unique, built-in, secret key, which is used to generate a unique code for every Visa payWave transaction
• Every Visa payWave transaction is authorized securely
• The power and global reach of the VisaNet system to help prevent fraudulent transactions

Watch this video to get a better idea

Is there any chance that I could be debited twice for the same transaction on my contactless card?
No. For a Visa payWave payment to take place, a retailer must enter the payment amount in order to activate the contactless reader. You then need to place your Visa payWave card close to the reader for the transaction to complete. This means that multiple contactless payments cannot be made without your knowledge. In addition, as Visa payWave transactions are processed the same way as all other card purchases, the Visa network monitors so any suspicious activity can be identified very quickly. All Visa payWave readers are designed only to perform one transaction at a time. As a safeguard, each transaction must be complete or cancelled before another one can take place.

Whilst there are staged demonstrations showing how credit card details could be lifted through a contactless card, this scenario is complex to execute in reality. While it includes the card number and expiry date, the data itself offers very limited potential for fraud. So far, there are no reports of fraud from card-issuers or law enforcements globally stemming from such electronic pickpocketing fraud attacks. 

Okay, now...Where can I get a Visa payWave card? 

In Malaysia, you can get a Visa payWave card from the following issuers: AEON Credit Service, Alliance Bank, AmBank, Bank Islam, BSN, CIMB Bank, Hong Leong Bank, HSBC, Maybank, Public Bank, RHB Bank and UOB. Discover all the Visa payWave cards available here.

Visa payWave payment is available at SELECTED STORES from:   

Visa payWave card is an easier, more convenient way to pay for everyday purchases. It saves you time due to shorter transaction times and shorter queue times. What are you waiting for? 

Get yours now

For more information about Visa PayWave, visit their website at http://www.visa.com.my/personal/features/visapaywave.shtml

The views expressed in this post are my own and do not represent the views of Visa and associated companies. 
Where else can you do shopping, even at midnight, wearing your pyjamas?

You don’t have to wait in a line or wait till the shop assistant helps you with your purchases. You can do your shopping in minutes even if you are busy, apart from saving time and avoiding crowds. Because of the numerous advantages and benefits, more and more people prefer buying things online over conventional shopping these days.

Yes, We’ve changed the way we do shopping now. It is making things much better for consumers and the sellers. I can get cheap deals and better prices from online stores because products come to you directly from the manufacturer or seller without middlemen involved. Many online shops offer discount coupons and rebates. Besides that, online comparison of prices helps to buy cheapest product within a specific quality range.


Recently, i’ve came across this - TrumerX. It is a trusted online marketplace that allows you to buy or sell your products and services. With TrumerX unique sign up process, both sellers and buyers can trade confidently with one another from anywhere in the world, on the go.

Here’s some of the products that i found from the website and it is really cheap compare to retails

Every single products with description and details photo. 
This makeup Brush cleaning glove is so tempting! Should i get one to clean my brush? :P

Here’s the hauls i got from Trumex last week :P

Guess what, You can also do your shopping in mobile apps! 

After registration, you will be receiving a verification email. 

For all the first time sign up with TrumerX mobile app, you can get a free movie ticket OR RM10 off the first purchase. 

You can also sign up from the website. It is super easy and convenience 

Hurry up! Sign up now and redeem your RM10 off / Movie ticket for FREE now!

Everything is just one click way from you 

Hello 2017, here is some note to myself

It has been a while i never share about my feelings in my blog. I can’t remember when is the last time i share about my personal thoughts in my social media. As years go by, i started to keep things to myself rather than sharing to public. I miss how things used to be in the past, i miss how true i can be without worrying about people’s opinion. I miss those days i was so passionate about everything. 

You know what, I'm a vey dependent person for the past few years. Every single decision i made, i have to asked that one person. Every single things. Even before i publish a blog post, i will show him my draft before i live it. Just to double check whether it's alright. I’m lack of self confident. Yes i know, i had been relying too much on him, which is wrong. And life taught me the hard way. 

I know..Sometimes life closes doors because it’s time to move forward. And that isn’t a bad things because we often won’t move unless circumstances force us to. After all these years, i learnt to look at what i have, instead of what i have lost. Because it’s not what the world takes away from you that counts; it’s what you do with what you have left. Life move on anyways. 

Recently, I’ve been struggle a lot with my career and my own business. I’m not very satisfy with what i’ve achieve thus far. I felt lost sometimes. Honestly, It's not easy being a one-man show when it comes to business. Not easy for me, but i have no second thoughts of giving up. I want something more, i want something better. You know, When you decide to get serious about growing your business, the first thing you notice is that you slam up hard against the forces of insecurity, self-doubt and limiting beliefs. I really can’t make decision sometimes. I wish i can have someone to guides me or even encourages me to go for what i want. 

Maybe i shouldn’t expect help from others. Maybe it is time to be independent. 

It’s like the old story that each of us has two wolves in our hearts, always fighting against each other to control us; one good and the other evil. Sometimes, I’ve been feeding the wrong wolf, and it’s been holding me back.  All these negativity cause me to run the other way and abandon my plans most of the time, but more often than not they just cause me to stand still, doing nothing and generally feeling terrible about myself. I really need to get through this. Well, i know i will get through this eventually. All i need is some positivity

Okay, enough of negativity for tonight. Bye
Finally have time to blog about my Harbin trip after ONE YEAR. 

Yes, i visited Harbin last January with my family. My daddy love CHINA, that’s the reason why i’m travelling to china almost every year. Well, this trip is exactly one year ago. How time flies. Somehow, it is one of the most unforgettable trip for me. Why? Because the weather is unforgettable. NO JOKE, Harbin is SUPER COLD. It is crazy, if you plan to visit Harbin this January..be prepare for the cold. This trip is around RM5700 per pax if not mistaken. It is all inclusive ( Flight, hotel, tour, food). Overall, the tour we followed is not really good. I’m not really satisfy with the arrangement therefore i’m not going to share about it. But if you plan to follow a tour, always remember to check the itinerary and the arrangement before you join for it. But still, i’m going to share some of the interesting places i went this trip. 

 December to February is the best time to visit Harbin 哈尔滨

It is also the peak season to visit Harbin because the “Ice City” is dressing up for its annual “Harbin International Ice and Snow Festival. This is one of the world’s top 3 ice festivals, attracting hundreds of thousands of local people and visitors from all over the world. 

Central Street (中央大街) is a pedestrian-only cobblestone street more than a kilometer (about a mile) long lined with stores, restaurants, old architecture dating from the Russian era, and malls. Central Street was part of the original town built by the Russians about 110 years ago. 

The attractions you can walk to from Central Street include the old buildings in the old district of the city and the Russian-Chinese Market area there, and St. Sophia Cathedral.

Thousands of visitors come to Harbin every year to appreciate the magnificent snow sculptures, which look more gorgeous under the lights at night. It is super cold at night, around -30-40C


Remember to check your itinerary whether it is inclusive the tour to the Snow Village. This place is really worth to visit. It is around 4-5 hours from Harbin City. The city is surrounded by mountains. Due to the web-warm air from Sea of Japan and the cold wind from Lake Baikal, the snow period here lasts more than 7 months and the average snowfall reaches 2 meters! It snows mostly five out of seven days in a week. 

The snows here is super super fine and clean! 
We stayed there for two nights. It is like a isolated village from the city, quite chilling. You can also go for skiing if you want. Apparently i didn’t go for skiing because i’m freezing, i can’t even stand more than 2 hours outdoor. Hahaha. 

We had Steamboat buffet for the first night. It is like the best things to do during winter. The food in Harbin is surprisingly good compare to the others place in China. Because Harbin is located in the northeast near Russia, Korea and Mongolia, the food in Harbin is influenced by these countries. I love the everything especially the lamb skewers. MUST TRY when you are there! 

Do you know that it is really hard to take photo during these temperatures

Here’s some tips for taking photo in very cold weather :

1. BRING SPARE BATTERIES - In cold temperatures, batteries discharge faster. It is really hard to take photo especially in cold weather like Harbin. I would suggest you to turn on your camera first before you go outdoor so that your camera can “warm up” a bit. 

2. Keep your camera, batteries, phone as warm as possible. Keeping them close to my body heat, instead of in my bag, keeps them warmer and helps them to hold their charge longer. Buy a heat pack and stick it close to the batteries helps. (Do it before you go outdoor) 

Last but not least, prepare some really warm clothes and gears. Remember to wear snow boots or waterproofs shoes. You can buy it there because it is much cheaper and it is not hard to find. So, don’t worry about it. The weather is very dry, it is suggested that you wear a mask to protect your nose and your face. Also, remember to bring Thermal bottle (暖水壶) to keep warm water inside during travel. 

Don’t worry too much about the COLD, just get everything prepared and you’ll be fine :)

Harbin worth a visit at least once in your lifetime.

Finally get to visit one of the places i always wanted to visit in China - JiuZhaiGou

It is one of the MUST VISIT places in China and finally i got to visit with my family this November. We booked our flight from Air Asia ourselves, the fare is nearly Rm1000 per pax. We decided to take Air Asia flight because it is the ONLY direct flight available to ChengDu (nearest city to JiuZhaiGou). So, if you plan to visit JiuZhaiGou..i would highly recommend you to take Air Asia because it is cheaper and more convenience. For the TOUR, we already booked ground tour package from china. The itinerary are mostly planned by my daddy. Basically, it is quite free and easy. The flight + tour is around RM5300 per pax for this 8D7N trip. Everything included except food. 

Seoul is always a pleasure to visit. Love the fashion, the food, the cosmetic and the people there!
Apparently, it’s every girl’s heaven to shop!
Finally have the to update about my Beautiful Journey in Seoul with Charis few months ago! The trip is truly awesome and unforgettable! All thanks to CHARIS for the arrangement and it was an honoured to got invited to be a part of it. I was flown together with 50 of Asia’s top Beauty creators this trip. Basically, Charis is a platform where we can create our own business opportunity without any capital and just earn money through our own networks and make profits out if it. Charis is the platform for everyone to buy and sell things like cosmetic/skincare etc from Korea. It is perfect for people who want to startup a business. I will blog more details about Charis in my next article. 

For this post, i’ll be sharing 5D4N journey in Seoul with the team. 

Yes, I'm back to this busy city again. All the way to Hong Kong for Calvin Klein Performance x Daybreaker Event. Thank you Calvin Klein Performance for having me. 

For this round, i'm staying in Hong Kong Island part as usual. But this time, i'm exploring Central a little bit more. Because I'm staying in The Pottinger Hotel. This hotel is quite new and it is a boutique hotel. So there's no swimming pool in the hotel. 

The Pottinger Hong Kong is centrally located in the heart of Central, a pivotal hub of business and finance, shopping, dining, culture and entertainment. A 5-minute walk from Lan Kwai Fong, a 1-minute walk from Central MTR Station and a 5-minute walk from the Mid-Level Escalator.

Central is a place that combines modernity and vintage. While luxury outlets are all around you, a turn into a street you will be welcomed with old, historical shops that make you feel warm. This hotel is located in Pottinger Street, known as Stone Slabs Street石板街 by locals, is made from uneven stone slabs to facilitate walking, seeing that this is another steep hillside area.

Central District is a great choice for travellers interested in nightlife, restaurants and gourmet food.

The location is good, easy to walk around. It is just 5 mins away to my favourite shop- Topshop, Zara etc. So convenient to do my shopping. hehe. Apparently, it is just right opposite TopShop, cross the road and walk up to the stairs and you will find Potting Hotel on your left. Also, The Famous roasted goose Yat Lok is just right opposite the hotel. 
It is a lovely hotel i must say. Love it so much especially once i enter the lobby!

Deluxe Room ( Price around MYR1200++ per night) 

The Pottinger Hotel Hong Kong  ( Central MTR Station Exit D2 )
Address : 74 Queen’s Road Central (Reception at 21 Stanley Street), Sheung Wan Area

T: +852 2308 3188 
F: +852 2308 3198

 E: info@thepottinger.com

Talking about hotels stay, Boutique hotels are more my jam. And this one in Hong Kong is a goodie. If you choose to stay at a boutique hotel, you will get a different experience to the one a chain can offer. This boutique hotels usually have a concept and creative design and their owners collaborate with noted and creative designers and painters, find unusual furniture and dishes and hold art exhibitions.

This is the last part of my 11 days trip in Indonesia featuring Makassar, Lombok, Bangyuwangi and Bandung. If you want to read more about the whole story of my Indonesia trip, click HERE. For this article, i won't be cover the city part of Bandung. The third largest city of Indonesia is Bandung. I really want to share with you guys about something special and MUST-VISIT place in Bandung besides shopping and food. Alright, Are you ready for it? 


Yes, I went one of the must-visit attractions in Bandung- Kawah Putih, West Java’s white crater, and my jaw dropped. Seeing the surreal, whitish green lake reminded me once again why I love to travel so much : it’s to arrive at destinations like this and remind myself how beautiful the world is. 

This place is around 2 hours from Bandung Centre. There is no hiking involved in order to go there.

Entrance fee to Kawah Putih is Rp 15,000 each for locals, Rp 30,000 for foreigners. Vehicles can then be left in the main car park and a shuttle bus used to travel the final five kilometers to the crater. 

Quite nippy temperature in the area, surrounded by dreamy surroundings, glaring whiteness over the landscape. A crater lake showing off its beauty both to local or foreign visitors and most definitely a glorious spot for photography, from the turquoise lake up to the dramatic skeletal trees around.
Every corner of this place is so Instagram worthy. 

KAWAH PUTIH ( White Crater) 
Address: Kawah Putih, Ciwidey, near Bandung
Hours: 7am-5pm 
Admission: Rp 30,000


Trust me, Bandung has always been famous with cool cafes just around every corner.

Leaving the city area and we went to cafe hopping in the middle of nature, located at Taman Hutan Raya Ir. H. Juanda, a tourist attraction in Central Bandung where's Armor Kopi brew their coffee. Basically, the cafe is surrounded by forest, with tall trees all around. It is really cozy to sitting down, leave everything behind and have a cup of coffee. 

They have plenty type of Arabica and Robusta beans from Indonesia. You can order from choosing the preferable type of the coffee beans. You can also ask the barista for recommendation base on what taste you prefer. I don't really remember what i ordered, but still. The coffee tastes good :)

We also ordered some local snacks to goes with the coffee

I love this place! Can we have something like this in Malaysia too? 

Armor Kopi Bandung 
Address: THR Djuanda Dago Pakar
 IG: @armorkopi.bdg 

Opening hours:  
Weekday 09.00-21.00 
Weekend 08.00-21.00


Where else you can find me