Living in an increasingly digital world is great for comfort and convenience, but there's a downside to greater reach in the digital realm: It creates new avenues for theft and fraud.

"Data theft, for both companies and individuals, is one of the top security concerns for 2017," said Garit Boothe, a technology specialist at Frontier Communications. "There's a growing threat to personal information security , but a lot of consumers are left in the dark as to how to deal with the effects."

Yet, despite this growing threat, many people are unfamiliar with the details of credit card fraud and identity theft; let alone how to handle the aftermath of a breach.

In the face of rising risk, knowing what you're up against can help you better prepare for and manage a potential loss. The average person is likely to encounter either credit card theft and identity theft, or both, in his or her lifetime. Let's take a closer look at how those two types of information fraud differ, and what you can do to handle the effects of each.

What is credit card theft?

Credit card theft is a type of identity theft that occurs when someone accesses your credit card account and uses it to make unauthorized purchases. Credit card theft has, unfortunately, become a common crime. According to a 2015 report from the Bureau of Justice Statistics (BJS), part of the U.S. Department of Justice, 8.6 million Americans ages 16 or older were victims of credit card fraud in 2014.

What is identity theft?

Though the terms "credit card theft" and "identity theft" are often used interchangeably, identity theft refers to a wider — and often much more serious — set of crimes. The Justice Department splits identity theft into three categories.

1. Fraud or misuse of an existing account is the category into which credit card theft falls. This crime occurs when someone obtains your credit card number or bank-account information, and uses that information to go on a spending spree. Passing bad checks on someone else's account also qualifies. This is by far the most common type of identity theft, accounting for 16.4 million of the 17.6 million total victims in 2014.

2. Fraud or misuse of a new account occurs when someone uses your personal information to open a new account. This new account could be relatively small, such as a checking account or a new credit card; it can also be much larger, such as a fraudulent mortgage to buy a house. Roughly 1.1 million victims reported this type of identity theft in 2014.

3. Fraud or misuse of personal information covers all other events involving improper use of your personal data, including the use of stolen information to get a job, receive medical care, rent an apartment or provide a false identity to law enforcement. This category accounted for 713,000 of the victims in 2014.

While dealing with credit card theft isn't anyone's idea of fun, the recovery process is pretty simple. A few solid federal laws protect consumers from bearing the responsibility of fraudulent charges. No matter how much was stolen, you can be held liable for a maximum of only $50 when you report fraud on a credit card account. If you report the fraud within 60 days of learning of it, even that cost may be waived.

Debit cards are a bit different. In order to limit your liability if your card was physically lost or stolen, you need to report the loss quickly. Your liability stands at $50 for the first two days after the discovery of fraud, and then jumps to $500 between the two-day and 60-day mark. Beyond that, you might be accountable for all charges. If your physical card wasn't taken, however, there's more leniency; as long as you report the fraudulent use within 60 days, you won't be liable for a cent.

In some cases, thieves aren't even able to use the card in the first place. Many card issuers automatically detect suspicious activity and put a block on the card to prevent any future charges. Some companies will even call cardholders to alert them to the attempted use.

Recovering from identity theft

Recovering from full-blown identity theft, in which fraudulent accounts are opened or fraudulent documents are issued in your name, can take years. This type of fraud can be complex and far-reaching, involving multiple avenues of misuse — some of which may go undiscovered until a collection agency attempts to collect a debt that you weren't even aware existed. It wreaks havoc on credit scores and sometimes places extraordinary stress on victims and their families.

Not all of the effects of identity theft are as easy to quantify or resolve, however. For instance, identity-theft victims often suffer serious emotional consequences, though that element of recovery is rarely discussed. But imagine losing your dream home because you couldn't get a mortgage, due to years'-old identity theft of which you weren't aware.

A full 36 percent of victims report suffering moderate to severe emotional distress as a result of identity theft. A recent Equifax report detailed the psychological toll identity theft can take on its victims, noting that many of these individuals experience emotional effects similar to those experienced by victims of assault or home invasion.

If you've been the victim of identity theft, immediately consult the federal government's online resources for ID-theft management. With just a few clicks, you can report fraud and build a custom recovery plan to handle your situation. Once that's in place, consider consulting with a therapist or psychologist to help manage the emotional fallout.

Avoiding identity theft

If you've never been a victim of identity theft, count your blessings. The good news is that minimizing your risk of identity theft is easier that it may seem. Here are a few tips:

1. Shred sensitive documents before throwing them away. Anything that has personal or financial information — canceled checks, credit-card statements, even junk mail from a bank or credit-card company — is a potential gold mine to an identity thief. When shopping for a good shredder, look for a model that crosscuts the paper into tiny pieces, rather than just into strips that can be pasted back together.

2. Erase computer and smartphone hard drives. Clean out your personal information before getting rid of old PCs, tablets and smartphones. It is surprisingly easy for someone to get access to personal data if the hard drive hasn't been totally reformatted and cleaned.

3. Use antivirus software on your computer. Antivirus software will stop most attacks, as long as you let it update every day. Also, don't download anything that you don't trust completely.

4. Check your credit reports regularly for discrepancies. You can get up to three credit reports free every year. Reading them can help you head off any potential issues before they become too big.

5. Don't give out personal information over email. You don’t trust everyone you meet on the street, so why would you trust people who email you out of the blue? A reputable company won't email you to solicit personal information, so if you're seeing messages asking for your Social Security number, it's likely a ploy.

6. Make your passwords strong and unique. Passwords often act as both your first and last lines of defense against information theft. A strong password should be fairly long and use both numbers and symbols in addition to letters. If you have trouble remembering all of those complex passwords, use a password manager.

7. Enable two-factor authentication. Two-factor authentication, or 2FA, creates a secondary wall that's harder to bypass than a password alone. Enable it on your online accounts whenever possible.

Identity theft is serious business, and it often goes much further than just losing a credit card and making a few phone calls. But there is hope. Use the knowledge in this article to keep your private information private and your identity secure.

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FLEX, a credit union core processor, integrates with Advanced Fraud Solution for check fraud prevention.


Industry-leading solution providers for the financial services sector join forces to combat check deposit fraud

FLEX announces a partnership to integrate its credit union core processing platform with Advanced Fraud Solutions’ (AFS) fraud detection tools. The partnership unites two industry leaders in the perennial fight against check fraud that continues to generate significant losses at credit unions across the nation.

A recent report produced by AFS found that while check volumes continue to decline, the exponential growth in online and mobile banking coupled with the adoption of EMV technology to combat plastic card fraud has helped breathe new life into fraud schemes involving paper checks.

FLEX customers will now be able to automatically screen checks presented at the teller line for fraud. In addition to detecting counterfeit checks, accounts with insufficient funds, and closed accounts, AFS’ solution helps financial institutions detect duplicate deposits previously made through remote deposit or mobile banking, which is a growing problem for the financial services industry as a whole.

“Check fraud continues to plague every financial institution, especially smaller institutions that may not understand the severity of the threat they face until they experience a loss,” says Lawrence Reaves, CEO of North Carolina-based AFS. “Our partnership with FLEX seamlessly embeds our award-winning fraud solution within the teller platform and provides credit union employees with the real-time information they need to make a fully-informed decision as to whether they should accept or reject a deposit. With less time spent processing routine deposits, tellers can refocus their efforts on improving the customer service experience,” adds Reaves.

To learn more about Advanced Fraud Solutions and their approach to fraud mitigation, click here. Visit FLEX Credit Union Technology to learn more about integrated credit union core system management.

About FLEX Credit Union Technology

In recent years, credit union industry personnel ranked FLEX Credit Union Technology first among competing vendors for customer satisfaction. FLEX now serves over 250 credit unions in locations across the country, including Alaska, Hawaii, and the Eastern Caribbean. The company enjoys established relationships with all regulatory agencies, corporate credit unions, and major industry partners.

About Advanced Fraud Solutions

Advanced Fraud Solutions has been a trusted leader in providing fraud mitigation tools to the financial institution market for nearly a decade. AFS products address a wide range of needs that the financial institution has, including check fraud, card fraud, and online banking fraud. Over 500 financial institutions nationwide utilize a wide variety of AFS fraud prevention tools, yet still subscribe to the idea that sharing high-risk information is the best approach to fighting fraud.

Contact Information:


Preston Packer

Director- Sales & Marketing



Ted Kirk

Director, Industry Partnerships

336-703-5348 x510



We all should be thankful on this Thanksgiving Day that one of the worst scams to hit the Lehigh Valley, and the nation, finally is on its way to being cooked.

Complaints about the IRS phone scam have dropped significantly in the past month or so. After three years, international detective work and technological advances finally have carved deeply into these turkeys' business.

The scheme isn't completely stuffed away yet, so remain vigilant. But it's certainly not as prevalent as it was.

The relentless calls started in fall 2013. Con artists pose as IRS and U.S. Treasury agents and threaten people with a lawsuit, arrest or grand jury investigation unless they immediately pay supposed tax debts.

The debts aren't real but the callers bully people into paying over the phone, usually with prepaid debit cards and iTunes cards. More than 9,600 people, including some locally, have lost a combined $50 million. A California man lost $136,000 when he was exploited repeatedly over 20 days, according to the U.S. Attorney General's Office.

I heard from hundreds of people who got the calls. Some were scared. Others were confused about whether the calls were legitimate. Many knew they were fraudulent and wanted to know how to stop them or where to report the scoundrels.

Nearly 2 million complaints about the scam have been reported to the Inspector General for Tax Administration. It's also the top scam complaint to the Better Business Bureau.

But it's been a month or more since I've heard any complaints. Reports to the inspector general and the BBB are way down.

That's because some of the people accused of making the calls have been locked up. Early last month, authorities in India raided a call center and charged 70 people with fraud. On Oct. 27, U.S. authorities announced that 56 others had been indicted; some of them in the states, along with five call centers in India.

"We are encouraged that our investigation, which resulted in the announced law enforcement action in late October, has had a significant impact on this criminal activity," inspector general's spokeswoman Karen Kraushaar told me.

At the peak of the scam, more than 30,000 calls were reported to the inspector general in a single week. That was down to about 1,000 in one recent week.

People still are being ripped off, though, and the inspector general recently learned of 40 people who lost money, Kraushaar said.

"It is extremely important that people remain vigilant and remember to hang up on callers who claim to be IRS or Treasury employees and make threatening calls demanding immediate payment," she said.

In about the past month, the Better Business Bureau's Scam Tracker website has received 91 reports of tax fraud, compared to 489 the previous month. While those figures include all types of tax scams, the vast majority are IRS scam calls.

"We are pleased with the drop and are looking forward to the day when we aren't getting any IRS tax scams reported," said Kelsey Owen, communications and public affairs director for the Better Business Bureau office that covers eastern Pennsylvania.

There are variations of these scam calls. Sometimes the callers are men. Sometimes they are women. Some calls are live while others at least start as robocalls. Callers often instruct victims not to tell anyone about what's going on and to remain on their cellphone while they are buying the prepaid cards to pay their supposed debt. The callers try to sound official, sometimes offering badge numbers and case numbers. But their foreign accents often give them away.

In addition to the arrests, technology also played a role in reducing the number of calls getting through.

As I reported in a recent column, a new technique being developed by phone and technology companies to block illegal robocalls stopped a substantial number of these scam calls during a test.

While this is all good news, I fear the fraud could catch a second wind. Schemes as profitable as this often morph into new ones. The Better Business Bureau also warned of that.

"We know from past experience that scammers are opportunists," Emma Fletcher, manager of the BBB's Scam Tracker, said in a news release last month. "Hopefully this crew won't be stealing from anyone again for a long while. But we will be keeping an eye on incoming scam reports so we can alert consumers what the 'next big thing' in scams turns out to be."

The IRS phone scam already was evolving prior to the raid in India. John Miller of Bethlehem Township told me he got several calls in late September from the "Office of Taxation" that followed the same script.

"I guess they gathered that everybody has figured out the IRS game so now they're trying a different name," Miller told me.

If you get an IRS scam call, you can report it to the Treasury Inspector General for Tax Administration (800-366-4484, or the BBB Scam Tracker (

Protect yourself against scams by reading my previous Watchdog columns at If you are targeted with a new scam, let me know and I'll warn others.

The Watchdog is published Thursdays and Sundays. Contact me at, 610-841-2364 or The Morning Call, 101 N. Sixth St., Allentown, PA, 18101. I'm on Twitter @mcwatchdog and Facebook at Morning Call Watchdog.




We envision a society where women, particularly mothers, are able to achieve work-life balance – having a fulfilling career while making family a priority – and where women entrepreneurs are part of a vibrant community with a robust support ecosystem, enabling them to create successful businesses, especially enterprises which create a social impact.


Our mission is to empower women to obtain self-fulfillment and financial independence, build strong families, and benefit the economy and society at large, by helping them to start sustainable, socially-minded businesses. Our long term goal is to successfully introduce CRIB to other countries, especially developing nations, where entrepreneurship significantly impacts the lives of women at the bottom of the pyramid – many of whom are the main (or even sole) breadwinners for their families. We believe CRIB can give these enterprising women the opportunity, network and know-how to start viable, sustainable businesses as well.


We help women entrepreneurs by:

1. Creating a community of like-minded women to form a support and business network,

2. Providing invaluable guidance and advice from our experienced and successful CRIB mentors,

3. Helping to obtain funding whether through government grants or private investors, and

4. Providing a database of trusted business resources and services

We recognize the significant contribution that women provide to the economy and to society, and we benefit the economy by helping women develop viable businesses, creating jobs, and increasing productivity

We create a community of understanding employers who are mothers themselves and thus, provide greater work-life balance oriented employment opportunities for other women and mothers-to-be

We want to change the mindset of society as a whole:

1. To recognize the importance and strive towards the creation of work-life balance,

2. To view being an involved mother while contributing financially to the family and society as a viable option, and

3. To increase the willingness of women to start families

We aim to help the women in CRIB build strong, loving family relationships; and where possible, contribute to an increase in Singapore’s Total Fertility Rate aka more babies!

We support businesses that are conducted responsibly, ethically and morally. In choosing businesses to support, we will have a preference towards social enterprises


CRIB fulfills a societal need. We aim to create successful women entrepreneurs with profitable and sustainable businesses. In so doing, we can help:

  • Individuals achieve fulfillment in their lives,
  • Strengthen families by providing mothers with work-life-balance, and
  • Benefit society by creating a positive mindset change, increasing economic output, introducing innovative businesses and social enterprises, and raising Singapore’s Total Fertility Rate
  • As a social impact business, CRIB endeavors to reinvest all returns towards sustaining and growing our operations, with a portion of finances channeled towards complementary social causes that benefit women entrepreneurs.



    Cast Iron Boilers - DK2 Series

    Pensotti manufactures and distributes highly efficient oil-fired and gas-fired boilers that are clean-burning and safe.

    Ideal for new construction, heating system upgrades, conversions or in-floor heating, our state-of-the-art boilers meet the highest performance standards and are backed by one of the best warranties in the business.

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    Pensotti offers a comprehensive range of wall hung gas boilers for domestic heating purposes.

    Our line of wall mounted condensing gas boilers offers a smart combination of cost-saving and environmental-friendly features thanks to the use of cutting-edge technology. Equipped with highly efficient, stainless steel, condensing heat exchangers, they help save energy while reducing emissions.

    Under the same product category, discover our line of wall mounted non-condensing gas boilers, which provides an economical solution for traditional heating systems.



    Successful devolution is all down to leaders.

    They need the time and space to focus on what they have to do and they need the skills to enable those around them to do great work.

    We recently carried out research into the leadership ingredients of successful devolution agreements. Public and private collaborations need leaders who have vision and great networks. Leaders have to focus on long-term, place-based plans that address economic and societal challenges in a sustained way.

    This is a complex task. Leaders need the headspace to think strategically and conceptually, develop meaningful collaborations and manage change in critical services.

    Chief executives must be supported by their senior managers in both the public and private sectors. They in turn need to be able to plan and integrate services for the long term while engaging diverse stakeholders, from partners to politicians, staff to citizens. Some of the people we spoke to were concerned about whether senior managers could deliver this; they worried about day-to-day operations ‘falling over’.

    We also know that George Osborne is quite rightly concerned about UK productivity. Our research shows that leaders often fail to create productive environments. Just 18% create environments that are high performing, 13% motivating, 12% neutral and 56% demotivating.

    Leaders are not making the best of the skills in their teams. They tend to focus on pace, task and applying technical knowledge, rather than enabling others to give their best.

    We suggest three things leaders can do:

    1. Involve senior managers in shaping why devolution offers the chance to change service provision and trigger economic growth. Develop a story about why it creates better locality, and how this relates to the organisation’s mission and managers’ motivation

    2. Help senior managers understand their new role in the organisation, the wider public service system and in implementing devolution. Clarify wider system accountabilities and review capacity. You may need to rethink priorities

    3. Provide space for senior managers to review their approach, behaviour and development needs, to lead change in this new working context. Align development work and conversations with the needs of devolution plans, which may require setting new standards.

    At a recent devolution event, there was heated debate about whether the sector has the visionary leadership required to deliver the best outcomes. I’d argue that it will only exist if organisations make better use of the capacity that exists around them.



    There are a lot of things to consider when you're looking for a commercial property. Finding the perfect property for your business can be difficult, so Bacall Development advise you to keep reading to help you search for the right one.

    Location can set a great difference to the kind of business you own. Not every business rely on location for the success of their business. If you depend on customer contact in a retail setting, then be in a place that is accessible to your customers because it could affect the success (or failure) of your business.

    You may choose a location that offers a peaceful environment if you don't see clients that much. Your staff will be more focused to do their tasks with serene surroundings. Creating a home office is also advisable to save on operating costs and provide potential tax savings if you're not expecting visits from your customers and don't have any employees in site.

    Size is also an important factor to consider, based on reviews gathered by Bacall Development and its associates. See to it that the property fits perfectly to the kind of business you have. To avoid added expenses because of retrofitting, make sure that the place has been outfitted with wiring to complement your communication and electrical needs. You should know the zoning ordinances of the place as well.

    Even though the location has high rent but is accessible to your potential customers and meets the needs of your business, then it is perfect for the growth of your enterprise. It's good for a retail business owner to place its business near similar businesses according to reviews. Ensure that the property offers comfort and safety to your customers.

    You can find affordable properties through courthouses and get a list of business closings or property foreclosures. Consider different alternatives as well such as buying a lot and have control over the construction and design, leasing a build-to-suit, and renting an existing space.

    Consulting a real estate broker can help you find a commercial property and lessen your options. If there are places that interest you, better visit them in person to assess some issues that may affect your business such as competition, traffic, and overall convenience.

    But if you're not the type that likes to go in different places by foot, you can search available properties online through real estate websites. Bacall Development wants you to act quickly in case you already found the right one for you and your business because a good commercial property does not stay available for long.



    “A woman’s best protection is a little money of her own.” - Clare Boothe Luce

    Majority of women are independent individuals; thus they take charge of their money and manage their own financial stress. However, if you’re having a hard time doing so, online financial blog prepared some simple and easy tips on how to handle investment and your personal finance.

    Apparently, every woman in the world doesn’t want to get widowed or divorced; however, the possibility is there. You should always be prepared and learn to do everything yourself, especially handling your money. You should have a deeper understanding of financial investment because you don’t want to get into trouble with your personal finances, right? Everyone wants to reach her financial goals. It’ll be better to take charge of your money and make wise investment decisions at an early age. If you don’t have sufficient knowledge about personal finances, it’s only natural that you’ll fear investing money, plus the fact that you don’t want to make the wrong investment decisions.

    If the economy is unstable, a lot of investors get worried about their financial funds. However, when it comes to money management, women are usually more emotional than men.

    Studying each financial investment should be your first assignment. You should keep your worries and fears at bay. You can’t made the right financial decisions if you don’t understand the financial figures. In order to eradicate emotions from a decision and be more logical, it’s really important to understand your personal finances.

    Your second assignment will be determining your financial growth and progress. Focus on how far you’ve come instead of taking a look at where you want to be. Each year, make your own 3 to 5 financial goals, and at the end of the year, check to see if you’re still taking charge of your money. Your financial goals may include a raise or job promotion; increase your 401k contribution by 1% or lower your budget and save more. Each financial success is worth celebrating, just do your best and trust yourself.

    For your last assignment, identify where you would like to go financially. But first you should know how much money you have. Some women have no idea what they actually have for investments. A financial planner can be a huge help to you, and if you’re working with one, allow her to explain your investments until you understand them, regardless how long it takes. You need to understand what you’re paying for the investment; so always ask about the fees. If you do necessary research and understand them, you can manage your own investments very well. Research each fund on the web to make sure you’re choosing the best money management possible when you’re deciding your 401k allocation. Evaluating your time frame, financial need and investment risk tolerance are the basics of a solid financial plan.

    Some women just need a little push to discover what they’re capable of. Remember that having negative thoughts will only consume that little light of hope in your heart. You just need to understand the facts, your goals, the time-schedule, and your risk tolerance. You can establish a better plan if you have a deeper understanding on those things, and you’ll be in a better shape than you think. Move forward and reach your financial goals using this knowledge.

    Everyone is facing money stress, not just women. Financial disorder also makes even the experts wonder if their strategies are sustainable. Cope with the changes in the market and your new financial reality by developing a careful financial plan. This will put you ahead of the pack.



    Reporting to the regionalhead, this newly created RiskManager headcount is responsible for all domestic/regional riskunderwriting with new on-board clients, as well as their subsequent risk ratingand analysis.


    My client is one of thelargest global payment service providers with an expanding operations in HongKong and the APAC region. In order to cope with the recent expansion, this RiskManager opening is created to focus on all merchants clients portfolio withinthe the Greater China region.


    Main Responsibilities


    - Underwrite new merchants anddetermine the associated risk and required security deposit


    - Review existing merchantswith default risk rating mechanism to ensure they act in line with the regionalrisk policies and procedure


    - Support critical changesmade on existing accounts and their corresponding risk add-ons and settlementcaps


    - Assist fraud, compliance andmonitoring functions in formulating regional strategy, process and execution


    - Support internal salesprofessionals on business visits and provide risk management training uponrequest




    - Degree holder with minimum 4years of risk underwriting experience in payment and/or credit card industry


    - Extensive experience inportfolio management and credit risk reporting are must


    - Advanced knowledge infinancial analysis is needed


    - Fluency in Cantonese andEnglish are required while Mandarin will be an advantage


    - Around 10% of travel arerequired


    To apply, please click on theappropriate link. Alternatively, please do not hesitate to contact Dennis Chengon +852 2232 3442 for a confidential discussion. Please note only shortlistedcandidates will be contacted directly.



    The Internet has helped to bring thiseagerness to reach out to others to its fulfillment -- especially in the fieldof medicine or medicalpractice, as it should be more properly called bythose who are charged with administering health care to the ailing patient.


    Medical practice is obviously a wide subjectand incorporates so many different aspects of health-care and variations ofmethods or approaches, from traditional, alternative and even emotional innature. The majority of people, however, depend on the general field of medicalpractice recognized by most societies and governments as the scientific andprofessional field of health-care provided by products of Schools of Medicineand are referred to as Doctors of Medicine (MD’s).


    The more common term “physician” has alsobecome synonymous with MD. To be a physician, in general, is to be qualified toprovide essential health care using methods recognized by most publicinstitutions as in keeping with accepted modern medical practices. This doesnot mean, of course, that ancient practices which have proven to be effectiveare without value in the modern medicalprofession. It only means that we have progressed tothe level of fine-tuning the human capability to provide health care and toalleviate the sufferings of millions of sick people. And the people tasked withproviding such highly-specialized skills also possess higher amounts ofpersistence, diligence and self-sacrifice than most people.


    Dr.Richard Isaacs, MD, is a prime example of the qualifiedmodern physician who has made good use of the worldwide web to present hiscredentials and his services to those who require medical care or assistance. Alot of people might either be surprised or turned off by such a direct approachto promoting one’s profession to the greater virtual community out there. Thatis because it might come out as somewhat demeaning to the noble profession ofthe physician which many consider to be more altruistic or service-orientedthan most other vocations.


    But that was common in the older times whenmedical practitioners worked silently in the bigger institutions, hospitals orhole-in-the-wall clinics they worked in. Today, doctors form so-calledpoly-clinics to provide a para-hospital alternative facilities for providingdiagnostic and consultancy services. Most doctors, in the past, made do withputting up a sign on their home front-door as simple private generalpractitioners with a handful of devoted patients in their immediateneighborhood or locality.


    However, today, the number of physicians andmedical-help providers has multiplied and the means of providing such serviceshave become more dynamic and diverse with the aid of technology. A doctor doesnot need to be with the patient to provide care, especially with commonailments. Or even in more serious cases where the doctor cannot be present andas long as there are other qualified professionals who can administer theprescription in an acceptable manner. Hence, it is not uncommon for a patientto be in a hospital for a couple of days, for instance, without having beenvisited by a medicalspecialist who may be preoccupied somewhere elsealthough she does gets proper medical care under resident doctors. Times changeand the way doctors apply their skills has also evolved with the times and theneeds of the growing population.


    And so, seeing a doctor such as Dr. Richard“Rich” Isaacs open up his resume on a website not only changes the field ofmedicine in its application but also in its accessibility to those who need itsbenefits. For this, we have to thank the likes of him for providing aconvenient way of seeking medical help without the hassle of directlyinterviewing or hunting for qualified medical practitioners wherever they maybe found.


    Just a call away, Rich Isaacs, who holds anAdvanced Certification in Head and Neck Oncologic Surgery, specializes inorbital, nasal, and maxillofacial surgery, as well as thyroid and parathyroidsurgery. Moreover, he is trained in Facial Plastic and Reconstructive surgeryand has an interest in post-tumor facial reconstruction and facial reanimationsurgery. Rich is within reach to anyone needing his field of specialization inSacramento, California where he holds his clinic.