Dear Wylie, Bill, Nelly, and Arrie (ah Eagles, they keep losing and losing), thank you so much for your time to respond to me.
I appreciate you guys telling me not to rush into it. I did some research, and still researching. I found one place where I believe I will visit sometime during January. It is University of Pennsylvania Health System. Surgery: http://pennhealth.com/hairtransplant/surgery.html and Surgeons: http://pennhealth.com/hairtransplant/oms_csa.html
I went over to a family doctor, and she told me to go visit a hair specialist. It wasn't much help. As for using those products (Rogaine, Propecia...) I do not believe on those products. Or maybe I am wrong. Like Mrjb said "no sense in replacing hair when you keep losing", I am thinking to wait more until it stops from falling.
God bless you all.
Tony.