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New Wedding Photographer in Cork
Keith Sullivan, renowned wedding photographer, has recently set up shop in the Cork area.
Having been captivated by photography all his life, Keith took the natural next step when it was time to adopt a career, and took up camera and tripod, to the delight of his clients.
And while it may seem to the untrained eye that just about anyone can take the perfect wedding photo – when the scenery, the makeup and the outfits are all in place – the reality is that it takes a trained eye to spot the most timeless of images.
If you are in need of a wedding photographer in Cork, do not hesitate to contact Keith, and discuss how to immortalize your wedding day in an album.
After all, there are so many photo opportunities during a wedding day, and there are so many moments to capture. From the very morning, while the bride and groom are getting ready, to the arrival of the guests and the actual ceremony, follow by the celebrations and joy that accompany the reception – Keith will be there to snap the photos you will wish to look back on again and again.
It can be difficult to know just what you are looking for in a wedding photographer, or a wedding album for that matter. This is where Keith’s years of experience come in, rushing to the rescue at times of confusion and trepidation.
With Cork offering so many wonderful wedding spots and photo opportunities, relying on a professional to take the best images imaginable is the best way to insure you have one less worry on your wedding planning mind. And placing your trust in Keith Sullivan will soon reveal itself to have been the best choice.
With a range of wedding photography packages available, all of which are flexible enough to accommodate your dream day, you will be making the right call when you ring up Keith to be your Cork wedding photographer.
Cube Digital are delighted to be working with Keith.
Irish holidaymakers head for the heat, but a lack of financial planning means some could get burned
- Fun in the sun: seven in ten (68%) Irish adults will take at least one holiday this year[1], and the EU is the destination of choice for most (72%)[2]
- Three in ten (29%) will travel further afield this year, to destinations like the USA, Canada and Australia[2] – those going abroad are seeking guaranteed sunshine (51%) and good value for money (34%)[3]
- Over half of consumers (51%) expect to spend between €250 and €1,000 on food and drink while they’re away, with a third (31%) spending that amount on shopping[4]
- But many could be sailing into financial woes – a third (33%) say their holiday spend often or always goes out of control[5] , and a quarter (26%) have come back from holiday in debt[6]
- Despite this, less than four in ten (38%) will set a firm holiday budget and stick to it[7], while over half (55%) admit to being unsure about things like charges for overseas ATM withdrawals[8]
- Switcher.ie says ‘Know before you go’: avoid holiday headaches by setting a budget and doing your homework before you jet off.
New research from independent price comparison and switching service Switcher.ie shows almost seven in ten (68%) Irish adults will take at least one holiday this year[1], with Europe’s beaches the biggest lure. But the findings show that sunburn isn’t the only thing they need to worry about, with a third (33%) set to see their holiday spending spiral out of control[5] and a quarter (26%) likely to come home to debt[6].
The survey shows that the most popular destination for Irish holidaymakers this year is the EU (72%)[2], and almost six in ten of these (59%) will head to the beaches[9]. At the same time, almost three in ten (29%) intrepid travellers will head further afield, to destinations like North America, Canada, Russia, Asia, South America and Australia[2].
The main reason people gave for heading abroad is to seek guaranteed sunshine (51%), but finance and value for money are also big drivers, with a third of people saying that holidaying abroad is the same price or cheaper than staying in Ireland (34%) and a third (32%) saying that the cost of food and drink offers better value than at home[3]. Over half of consumers (51%) expect to pay between €250 and €1,000 on food and drink while they’re away and over three in ten (31%) say they’ll spend that amount on shopping[4].
Despite this, one in ten (14%) admit to never setting a holiday budget, while almost half (48%) say that they will have a budget in mind but aren’t strict about sticking to it. Overall, just 38% will strictly set and stick to a spending limit while away[7].
As a result, a third of people (33%) say they often or always end up overspending while on holiday, with almost half (45%) saying they sometimes do[5]. Although it may seem fun at the time, the lack of planning can cause post-holiday headaches, with a quarter of Irish consumers (26%) admitting to coming home from a holiday in debt[6].
And this isn’t the only money concern facing holidaymakers. With people increasingly using cards rather than cash for spending, it’s interesting to see how holidaymakers plan to manage their money while they’re overseas. Almost half (49%) plan to take a small amount of cash to start off with and then use ATMs, while large numbers will use their debit (37%) and credit (24%) card as normal[10].
Worryingly, however, there is a real lack of understanding around the fees that could be charged for doing so. The majority of people either don’t know or aren’t sure of the charges for the likes of ATM withdrawals (55%), using a credit card to withdraw cash (60%), and paying by credit card (60%) or debit card (59%) in shops or restaurants abroad[8].
This could lead to some unplanned – and unwanted – charges, especially for the three in ten (29%) consumers who are travelling outside of the EU[2]. When you withdraw cash in a non-Eurozone country, you’ll be charged a percentage of the transaction value each time, and you may have to pay a foreign exchange fee, too. You’ll also face similar charges for using your card to make payments in shops and restaurants.
Eoin Clarke, Managing Director of Switcher.ie, said: “Many of us are gearing up for holidays, and thoughts of sunshine are starting to eclipse other, less exciting, matters – like our finances. But that cheap break in the sun could end up costing holidaymakers more than they bargained for, simply because they’re not budgeting or planning how best to manage their money while away.
“When it comes to holiday spending, it can be tempting to forego the budget and throw caution to the wind, but this can lead to a financial headache that will last much longer than your tan. The last thing anyone wants is to come home from holidays in debt, so take some time before you go to plan out a daily budget for when you’re away – including expenses like food and drink, tours and other activities.
“If you’re travelling outside the Eurozone, it’s also important to find out about charges for using ATMs and using your debit and credit cards in shops or restaurants. These charges can quickly add up, so we would urge holidaymakers to ‘know before you go’, especially if you’re travelling outside the Eurozone, where these bank fees will be even steeper.”
For more information, visit Switcher.ie
ENDS
For further information please contact:
Maeve McLaughlin, Switcher.ie on 01 517 5922/087 133 2526 or prteam@switcher.ie
Images for use are available on Flickr here.
Notes to editors
Research was carried out for Switcher.ie by iReach Insights, involving 1,001 online interviews with Irish adults aged 18+years. The total sample is representative of the national population in Ireland.
[1] In response to the question: “Are you going on holiday this year? Yes, I’ve already been and won’t go on another/ I’ve already been but plan on taking at least one more trip/ No/ Not sure yet.”
[2] n response to the question: “You said you were going on holiday this year. Where are you planning to go? Please select all that apply: Somewhere in Ireland/ Somewhere within the EU – e.g. France, Spain, Portugal, Greece, Italy, etc./ Somewhere outside the EU but within Europe – e.g. Gibraltar, Iceland, Norway, Russia, Switzerland, etc./ North America, Canada/ South America/ Asia/ Australia, New Zealand/ Middle East or North Africa – including Dubai, Turkey, Tunisia, etc./ South Africa.”
[3] In response to the question: “You said you had no plans for going on holiday somewhere in Ireland. What are the reasons for your decision to go abroad rather than stay in Ireland? Please select all that apply: The holiday abroad is the same price or cheaper than staying in Ireland/ Guaranteed sunshine/ The cost of food and drink where I’m going offer better value for money than in Ireland/ I love to travel and see new places/ The people are friendlier/ Change of scenery/ I’m going to do activities that you can’t do in Ireland (e.g. skiing, etc.)/ It’s what my family/ friends want to do/ Other (please specify).”
[4] In response to the question: “How much did you or do you plan to spend on each of the following aspects of your holiday? Accommodation/ Flights/ main transport to destination/ Food & drink/ Shopping/ Tours, activities/ Transport while on holiday (i.e. rental car, trains, buses, etc.). 0 – €250/ €251 – €500/ €501 – €1,000/ €1,001 – €2,000/ €2,001 – €3,000/ €3,001 – €4,000/ €4,001 – €5,000 €5,000+/ I didn’t or don’t have a budget/ Not Applicable.”
[5] In response to the question: “How frequently do you spend more than you intend to when on holiday? Always/ Often/ Sometimes/ Rarely/ Never.”
[6] In response to the question: “Have you ever come from holiday in debt? Yes/ No.”
[7] In response to the question: “When it comes to your holiday budget, which of the following statements best applies to you? I always set a realistic budget and keep to it/ I normally have a budget in mind, but I’m not strict about keeping to it/ I never set a budget.”
[8] In response to the question: “Do you know the charges which each of the following involves at the destination you travelled to or are planning to travel to this year? Yes/ No/ Not sure – Making an ATM withdrawal/ Paying by debit card in shops or restaurants/ Using travellers cheques/ Using your credit card to withdraw cash/ Paying by credit card in shops or restaurants.”
[9] In response to the question: “Please select the type or types of holidays you intend to spend at each of the destinations you plan to go to this year? Please select all that apply. Beach holidays/ City & Shopping breaks/ Ski holidays/ Amusement park holidays/ Cruise holidays/ Spa holidays/ Tours & Safaris/ Activity holidays/ Sightseeing/ Other.”
[10] In response to the question: “In what way would you manage your money when going abroad? Please select all that apply. I’d take a large amount of cash with me and hope it’s enough to get by/ I’d use travellers cheques/ I’d take a small amount of cash to start me off and will then use ATMs/ I’d use a pre-loaded currency card, such as a Prepaid MasterCard/ I’d use my normal debit card/ I’d use my credit card/ I’d think about it when I get there.”
ATM, debit and credit card fees
In general, consumers travelling within the Eurozone using a Visa Debit card won’t be charged anything over and above what they are normally charged by their bank for withdrawals. Charges start to mount up when the card is used outside the Eurozone – there’s usually a charge, which is a percentage of the transaction value, and there may be a foreign exchange fee, too. Here’s what the main Irish banks charge for non-Eurozone transactions:
ATM withdrawals
Bank | Withdrawal charge | Other charges | |
---|---|---|---|
AIB | 2.5% of euro value | Commission charge of 1% (min. €2, max €6) | |
Bank of Ireland | 3.5% of transaction (min €3.17, max €11.43) | None | |
KBC | 3.5% of transaction (min €3.17, max €11.43) | None | |
permanent tsb | 3.5% of transaction (min €3.17, max €11.43) | None | |
Ulster Bank | 2% of transaction (min €3, max €12) | Exchange rate charge of 1.5% |
Consumers who want to find out more about these charges should refer to their bank’s website or contact them directly. All of the above charges will be charged on top of the usual fees applicable to any account.
Using your debit card
Using a debit card within the Eurozone will not incur any additional charges, over and above what the consumer normally pays. However, making purchases abroad anywhere with a different currency will incur additional charges, as follows:
- AIB will charge 1.75% of the transaction value, with a minimum charge of €0.45 and a maximum of €11.
- Bank of Ireland charges 2% of the transaction value to a maximum of €11.43 per transaction.
- KBC customers will be charged 1.75% of the transaction value, with a minimum charge of €0.46 and a maximum of €11.43.
- permanent tsb charge 1.75% of the transaction value, with a minimum charge of €0.46 and a maximum of €11.43.
- Ulster Bank customers will pay 1% of the transaction value, with a minimum charge of €0.25 and a maximum of €6, as well as an exchange rate fee of 1% of transaction amount, also with a minimum charge of €0.25 and a maximum of €6.
Some banks – such as Bank of Ireland and Ulster Bank – will waive fees if you use one of their ATMs in Northern Ireland or the UK.
Using your credit card
Consumers using a credit card outside the Eurozone will be charged a currency conversion fee, and – as usual – a cash advance fee if the credit card is used to withdraw cash. Consumers will also be charged interest on any purchases and withdrawals on their credit card unless they clear their balance every month.
About us
Switcher.ie launched in January 2013, with the aim of offering consumers free, independent and impartial price comparison and switching services for gas, electricity, home broadband and digital television. Switcher.ie aims to make it easier for Irish households to compare prices, save money on their regular bills, get the best deals on offer and make their hard-earned money go that bit further. Switcher.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of domestic energy price comparisons and is a member of Guaranteed Irish.
Broadband customers can conduct a speed test to find out how fast their broadband is and to identify the best broadband provider for their location.
Switcher.ie is owned by Switcher Limited, a privately funded internet-based business focused on consumer engagement and innovation.
SSE Airtricity to raise gas and electricity prices from 14 July – typical dual fuel customer will see an annual increase of €140
This afternoon, SSE Airtricity announced the first energy price hike of the summer, following last winter’s slew of increases.
The supplier’s dual fuel customers will see bills increase by 8.9%, while those with a standalone electricity plan will see an increase of 6.4%, and those with a standalone gas plan will see the standard price rise by 12.3%.
While we did see a number of price hikes last year, these ranged from 3% to 5.9% for a single fuel, so these increases from SSE Airtricity are really significant. The supplier has said that the average dual fuel customer will end up paying €2.70 more per week, which comes to a whopping €140 per year.
SSE Airtricity hiked its electricity prices by 5.6% back in November, but did not hike gas prices at that time. Again, the supplier says these latest increases are down to rising global energy costs.
Commenting on the announcement, Eoin Clarke, Managing Director of Switcher.ie, says: “During the summer months, energy bills are probably the furthest thing from consumers’ minds. However, news of this price hike should be a wake-up call for SSE Airtricity’s customers, and – judging by the trend last winter – could be a warning sign of things to come from other energy suppliers too.
“Last year, the biggest price hike we saw was 5.9%, so to see these ones coming in at a much higher rate is really worrying and could mean we’re in for a summer of significant price increases. And, although we may be using less energy during the summer months, these price hikes will surely have a big impact as the colder months creep in.
“Only around 15% of Irish consumers switch energy each year, which means the vast majority are missing out on huge savings. Regardless of what supplier you’re with, we’d strongly encourage anyone who hasn’t switched in the last 12 months to compare energy deals and make a switch sooner rather than later. An average dual fuel customer switching from typical standard tariffs to the cheapest deals on the market can save up to €342[1], and you’ll save even more if you have higher consumption, so taking a few minutes to compare deals and switch could really pay off.”
Switching is straightforward and free. Use Switcher.ie’s free gas and electricity comparison tool to get started – comparing deals and making a switch only takes around 5 minutes.
For more information, visit Switcher.ie
ENDS
For further information please contact:
Maeve McLaughlin, Switcher.ie on 01 517 5922/087 133 2526 or prteam@switcher.ie
Images for use are available on Flickr here.
Notes to editors
[1] Source – Switcher.ie: How does Switcher calculate its savings messages?
About us
Switcher.ie launched in January 2013, with the aim of offering consumers free, independent and impartial price comparison and switching services for gas, electricity, home broadband and digital television. Switcher.ie aims to make it easier for Irish households to compare prices, save money on their regular bills, get the best deals on offer and make their hard-earned money go that bit further. Switcher.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of domestic energy price comparisons and is a member of Guaranteed Irish.
Broadband customers can conduct a speed test to find out how fast their broadband is and to identify the best broadband provider for their location.
Switcher.ie is owned by Switcher Limited, a privately funded internet-based business focused on consumer engagement and innovation.
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Over six in ten Irish consumers forced to borrow or raid savings to cover cost of essential household bills
- Cash-strapped: over six in ten consumers (62%) can’t cover the cost of essential household bills with their regular income[1]
- People are turning to credit cards, overdrafts and/or loans (43%), as well as dipping into savings (35%) to make ends meet[1]
- Motor insurance is still the most common cause for financial pressure, followed by rent and mortgage payments, motor tax, health insurance, energy and broadband bills[2]
- One-fifth (17%) of consumers say they’re in debt and worried about it[3]
- Switcher.ie urges consumers to take control of their household budgets in a bid to reduce the reliance on debt.
New research published today by independent price comparison and switching site Switcher.ie suggests that Irish consumers are struggling to make ends meet, with the majority forced to borrow or dip into their savings to meet the cost of essential household bills.
The findings show that in the last year, over six in ten of us (62%) were forced to resort to using credit or our hard-earned savings to pay basic household bills. Less than four in ten (38%) were able to cover the cost of essential household bills, such as rent or mortgage, insurance, energy and broadband, through their regular income alone[1].
This suggests that the cost of living is not only a significant challenge for Irish consumers, but could also be a significant factor in the levels of household debt. Last year, in order to make ends meet, one in four (26%) used a credit card, while 16% used an overdraft, 12% borrowed money from family and friends, and 8% used a bank loan[1].
Other options people turned to included pawning or selling belongings (4%), and using doorstep lenders/payday loans (2%)[1]. While using credit can be a helpful short-term fix, it can become a problem for some. According to the survey, a fifth of Irish consumers (17%) are worried about the debt they’ve found themselves in as a result of paying day-to-day living costs and household bills[3].
And on top of getting into debt, people are also resorting to dipping into their savings to cover the cost of essentials like their rent/mortgage, insurance costs, energy and broadband bills, with over a third (35%) admitting to doing this over the past year[1]. While savings are there to help on a rainy day, the danger is that they could be eaten away if regularly relied upon to pay basic bills in this way.
Aside from the impact on debt and household savings, the constant juggling of money is also taking an emotional toll, with many day-to-day expenses putting householders under pressure. While the CSO recently reported that premiums are going down[4], motor insurance is still the biggest cause of worry, with almost half (49%) saying this bill puts them under pressure[2].
However it’s not the only cause for concern, with more than four in ten (43%) saying their rent or mortgage payments cause them financial stress, closely followed by motor tax (40%) and health insurance (36%). The energy price hikes we saw over the past few months are also having an impact, with one-third of people (34%) saying paying their electricity bills puts them under pressure[2].
Meanwhile, other household essentials, such as broadband/internet (32%), property tax (32%) and paid TV services (31%) are also putting a strain on household finances[2].
And, with the latest Consumer Price Index showing a year-on-year increase[4], sadly the signs suggest that there will be little or no respite for cash-strapped consumers anytime soon.
Eoin Clarke, Managing Director of Switcher.ie, said: “As our research sadly shows, juggling bills, scraping together money and stressing about living costs are a daily fact of life for many of us today. Relying on borrowing or savings to see each month through might seem like an easy or quick fix, but it can bring long-term pain and – if at all possible – should always be the last resort.
“It’s true that we may not be able to control our income level or the cost of living, but we can all take steps to control our spending – firstly by creating a weekly or monthly budget and sticking to it where possible and secondly by taking control of our essential household bills. The fact is that many of us stick with the same providers for years and years, automatically renewing our policies and contracts. As a result, we often end up paying far more than we need to for these essentials.
“Some of the biggest financial headaches – such as motor and health insurance, energy bills, and broadband and TV costs – could be easily reduced if you’re willing to set aside an hour or two to shop around for better deals. In fact, switching energy, broadband and mobile plan alone could save you well over €1,000[5], which could go a long way towards clearing some residual debt, or bulking up your savings.”
For more information, visit Switcher.ie
ENDS
For further information please contact:
Maeve McLaughlin, Switcher.ie on 01 517 5922/087 133 2526 or prteam@switcher.ie
Images for use are available on Flickr here.
Notes to editors
Research was carried out for Switcher.ie by iReach Insights, involving 1,001 online interviews with Irish adults aged 18+years. The total sample is representative of the national population in Ireland.
[1] In response to the question: “Apart from your regular income (salary, pension or benefits) which of the following have you used to meet the cost of essential bills last year? Please select all that apply. Dipped into savings, Overdraft, Credit card, Bank loan, Money loaned from family and friends, Money given by family and friends, Doorstep lenders/ payday loan, Pawned or sold my belongings, None, I covered the cost of all essential bills with my regular income, Other (please specify).”
[2] In response to the question: “Thinking of your household bills in general, please state if each of the following bills puts you under any financial pressure when it comes to paying. Electricity, Gas, Home insurance, Motor insurance, Health insurance, Bank account fees, Fixed line phone, Mobile phone, Broadband/ internet, TV licence , Paid television service, Streaming service, Motor tax, Property tax, Bins/ recycling, Rent/ mortgage payments, Repaying other loans or hire purchase, School or college fees/expenses, Clothes, Food/groceries.”
[3] In response to the question: “Thinking about your day to day living costs such as essential bills, which of the following best describes your situation? I am in debt and I’m worried about it, I am in debt but not too concerned about it, I am not in debt, Prefer not to say.”
[4] Source – CSO: Consumer Price Index, February 2018
[5] The average gas and electricity customer can currently save €342 by switching from standard tariffs to the cheapest deals on the market. The biggest saving that can be made on a broadband, TV and phone plan at the moment is on eir’s Vision TV Essential & Broadband + eir Sport plan, which has a discount of €522. If you currently pay €45 for your mobile plan, and you switch to Virgin Mobile’s Unlimited SIM-only plan (with unlimited calls, texts and data), you could save over €300 in a year. Total: €1,164.
About us
Switcher.ie launched in January 2013, with the aim of offering consumers free, independent and impartial price comparison and switching services for gas, electricity, home broadband and digital television. Switcher.ie aims to make it easier for Irish households to compare prices, save money on their regular bills, get the best deals on offer and make their hard-earned money go that bit further. Switcher.ie is accredited by the Commission for Regulation of Utilities as an impartial, accurate and independent supplier of domestic energy price comparisons and is a member of Guaranteed Irish.
Broadband customers can conduct a speed test to find out how fast their broadband is and to identify the best broadband provider for their location.
Switcher.ie is owned by Switcher Limited, a privately funded internet-based business focused on consumer engagement and innovation.
New Online Accountancy Service
Accountant Online are proud to be Ireland’s first online accounting service. Their experienced staff has been working with businesses since 2010. And it’s not just Irish companies either – being an online service means providing for their clients in the UK, US, the EU, South America, Asia, the Middle East. Their online presence means being on the edge of technological world; safeguarding their client’s records, bookkeeping, and providing tax solutions across the globe.
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Safekeeping data has never been more important than it is today. Their online services combine technology solutions with our experience, allowing immediate access to all your accounts – so you can focus on growing your business, projects and enterprises. Moreover, their online software is specifically catered to meet the needs that your company recognises today.
However, the true beauty behind their bookkeeping software is how it is tailored to fit your unique business’ necessities. Their convenient support system means that you can send a message anytime or call us personally and talk to one of their professionals directly.
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Infokus Wedding Photography
Infokus is an Irish wedding photography company, there to help you make your wedding day even more special.
Keith Sullivan, the man behind the project, has been passionate about photography all his life. Having gotten engaged himself early this year, he is now even more passionate about his work, giving all of his clients his complete attention. Today, his business, Infokus, is one of the premier wedding specialist in Ireland, and he has several photography awards to his name.
Infokus offers different wedding photo packages for different brides and grooms, and a unique and specifically tailored service, to suit the couple in question.
Precisely because taking the right wedding photos can be a challenge, you need to be able to find someone whom you can talk to freely, and who will not only be able to channel your vision, but to add to it and make sure all of your wedding photos are memorable and unique.
Wherever you live in Ireland, Keith can help you glide through the day easily and without stress, with no need to worry if the pictures will turn out alright, and without having the photographer annoy you at every step.
Contact Infokus today, and ensure that your wedding day is forever captured with mesmerizing photos and stellar service.
Auralia Cosmetic Surgery Hospital
Auralia is Ireland’s only internationally accredited private hospital entirely dedicated to cosmetic surgery. With facilities located both in Dublin and across the country, they offer the most modern cosmetic treatments and surgeries. Their highly trained medical staff is at the forefront of both patient care and the latest trends in the cosmetic industry.
Some of the procedures they provide include:
· Breast augmentation and breast reduction
· Liposuction and tummy tucks
· Face and neck lifts
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· Microdermabrasion
· Skin peels
As the cosmetic industry is constantly reinventing itself and as procedures are improved and introduced at a rapid pace, contacting the Auralia team will put you in touch with the latest trends and innovations available in Ireland.
When choosing a cosmetic surgery clinic or hospital, you need to be certain that the materials and procedures used are not only safe, but that the recovery time and the care involved are exceptional.
Auralia prides themselves on holding the record for cosmetic surgery safety in Ireland – made possible by their state of the art facilities and impeccable medical training. They are famous for being the first ones to introduce advanced biodynamic breast implants in the country, and also perform the most breast implants in Ireland every year – a fact that speaks to their level of expertise and professionalism.
However – cosmetic surgery is as much about care as it is about surgical excellence, which is why Auralia have such high regard of their nursing and aftercare staff, who are there to help patients recover from surgery, making sure the experience is a pleasant one. The fear and trepidation that often accompany these types of procedures are safely cast away, under the expert guidance of Auralia’s team.
Adhering to the highest standards of safety, care and professionalism has made Auralia what it is today – a premier cosmetic surgery private hospital, ready to offer advice and help you through the process of change.
Idea are proud of working with such an industry leader.