Categories Loans

Features of a good mortgage

Looking for a mortgage is an important step for every person looking forward to buying a house. Making sure that you get a good mortgage is important. The kind of mortgage that you get will determine the ease of payment. When looking for a mortgage, you need to make sure that you get one that has flexible terms of payment and also friendly conditions. By hiring this company, you will get a good mortgage.  A broker will help you find the best lender and rates available in the market.

How to identify a good mortgage

Reasonable deposit

A good mortgage should be able to offer you a reasonable deposit. Raising a deposit is usually the biggest challenge for most of the home buyers. Sometimes raising the deposit of 20% can be challenging so you need to look for a mortgage that makes it possible to raise a reasonable interest. Some lenders will allow you to pay a deposit of 20% of the cost of the house. However, it is important to remember that once you pay a lower interest, you might need to compensate this by paying higher interest rate or monthly repayment.

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Flexible repayment terms

For most of the mortgage loans, you will be required to stick to a strict repayment term. However, it is important to consider a mortgage that is quite flexible. Flexibility will give you an easy time when paying for your loan. For instance, there are mortgages that will allow you to pay more money for some months so that you can go for some months without paying. The flexibility is however limited because you can never get full control of the mortgage.

Reasonable interest rate

When it comes to mortgage, you need to make sure that you get one with a reasonable interest rate. The best way to get a mortgage with a reasonable interest rate is by comparing it with other mortgage lenders. It is always advisable to look for a mortgage that offers interest rate in the same range with the other lenders.

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Customer service

Customer service is important when looking for a mortgage. You need to consider looking for a good lender that will give you personalized services. Most of the small lenders can give you a personalized customer service because they have few customers and they can handle all of them.

Categories Finance

Small Tips For Choosing The Right Direct Debit Service Provider

Introduction

If you want to streamline your paying options and ensure your financial transactions, you should opt for the direct debit solution. However, if you want to take full advantage of the benefits this solution offers, you should consider finding the right supplier. Even though the majority of them are the same, you should keep in mind that there are some with notable differences, ones that might seem small but can have major effects in the long run. With that in mind, here are some guidelines that will help you find the right direct debit supplier. Additionally, you could also check Debit Direct, for any extra info and good advice too.

You must be present on the customer bank statement

22 khklfgkjoWhen yours or your business’ name appears on your client’s or customer’s bank statement, there is no doubt left as to who collected the funds. This helps avoid any sudden cancellations or questions being raised by the customers in regards to the money collection.

Three working days to clear the funds

Once you have collected the money from your customers’ accounts, the funds should appear in your account in no more than three days. Ideally, this should be completed within two working days following the collection of the direct debit. This way, the funds will be cleared to your Client Holding Account, which is a unique account for your funds only, and which is not shared with anyone else but you. Once these funds are cleared, they will be subsequently transferred into the account of your designation and will take no more than two working days to clear. The clearance period will usually depend on the number of funds transferred

There should be no percentage charge

One of the biggest advantages of the direct debit method is that there are no percentage charges involved. Keep in mind that your bank should charge a flat fee for a debt collection, instead of a percentage. This means that your costs are always fixed, regardless of the customer. This is a much better option than having to pay a percentage of the collected amount, which means you will simply give away more, the more you collect.

There should be a variety of reports

To manage your payments and financial transactions better, you will probably need a wide variety of different reports. These can include occasional reports, daily, weekly, and monthly ones. Keep in mind that your needs will most likely change as your business grows or changes, so it would be wise to look for the options that will be of most use.

Quality communication service

When you decide to change the amount of money you collect from your customers, it is very important that the financial institution of your choosing is capable of immediately notifying the customers. They need to promptly inform them of any changes that happen to their billings. This will not only help you manage your collections more easily but also strengthen the bond between yourself and your customers and bolster their trust in you.

Proactive management

33kgkjrjgoLast, but not least, your direct debit institution should be fairly proactive in managing your payments and your customers on your behalf. For instance, they should regularly inform you if there are any clients who have amended or canceled their instructions before the payment collection.

Categories Finance

How To Choose The Best Cash Card

Do you use a credit card? If yes, the chances are that you are not using the best based on your current situation. For example, a card that is used for 0% balance transfer it is not likely to be the best card for regular purchases. That is why it is essential to know the best credit or cash card you need to apply for. Research to find out more concerning these cash cards.

Ideally, the best cash card will need a comprehension of your total cash score. This, therefore, means that a person with a good stock score has plenty of choices compared to others. Also, due to the advance in technology, there are a lot of sources where you can get your help from. You can use this link to learn more on cash cards. http://www.umayplus.com/CashCard. The following are some tips on how to choose the best payment card.

The amount you usually spendkrjhmevsed

When you are choosing your cash card, this is the first aspect you should put into consideration. This is because when you are choosing your payment card, the kind of purchases you make will determine the type of a cash card you will get. It is important to know that there are a lot of different cash cards with various offers. That is why it is essential to consider your spending habits when you are choosing your payment card.

Consider the rates

When you are applying for your cash card, ensure that you remember looking at the rates. You can get the most savings if you consider choosing the best card with the best rates. Some specific companies are offering different rates based on your purchase. That is why you are recommended to consider choosing the best company with the highest rates.

Evaluate your spending habits

This is another valuable tool that will guide you when you are choosing your cash card. You need to approximate how much you will spend on your card before you decide to apply for one. Also, you need to identify whether your card will be for clothes shopping, gas or groceries. This, therefore, will help you to determine the best card to choose.

Can I reload my card online?

hgfjdhgsfzThis is another factor you should put into account when you are selecting your cash card. Some cash cards cannot be reloaded online. Therefore, before you apply for one, ensure that you have asked and applied for one that you can reload online.

Categories Insurance

Feature Of A Good Insurance Agent

wwe4r5etyfdFinding a good insurance agent can be a daunting task at times. This is more especially if you have not dealt with matters insurance in the past. Like it is with other business types, we have a variety of insurance companies and agents that one can choose from. However, it is important to note that not all insurance agents and companies are equal. For instance, when choosing a Campbell State Farm insurance agent, it is important that you select an insurance company that fully understands what you want and they will be ready to put your needs first.

Since there are so many agents who are offering insurance services, it can be at times complicated to choose the most suitable one. But the moment you find the most suitable agent who cares about you and your needs it will be the best experience for you. Let us look at some of the attributes and feature that you should be looking for in a good insurance agent:

Availability

It is important that you select an insurance agent who will always be there for you when you need them most. What this simply means is that you have to select an agent who will be willing to give you plenty of their time when you need to sit and discuss issues with them. The best people to settle on in such instances are agents that have a low workload. Try as much as possible to work with agents who have less than ten clients. This is informed by the fact that the less you have to compete with other clients the high the quality of service that you will receive.

Variety

For instance, your immediate requirement is motor vehicle insurance, but home, health, and life insurance needs are not very far. This is why you will need an insurance agent will be able to help you with all the necessities and any future requirements. This is very beneficial as you will not have to deal with many insurance companies, to get the protection of the common things that you need. That is why it is important that you select an agent who provides a wide variety of coverages even though you may not be needing a wide coverage now.eretygfhgdfs

Reputation

In the insurance industry, reputation is key. Therefore before you settle on any insurance agency, it is important that you make inquiries from your family, friends, and even co-workers. As for them about the agents that they are using currently and why they did settle on them. If an agent has a good reputation then know that their services are good, they handle their claims promptly and they don’t have huge deductibles.

Categories Finance

Beginner’s Guide To Getting A Business Loan

Are you looking for some loan for your business? Well, this can be a hectic process particularly for starters or those with a bad credit score. However, it is not worth to let the business suffer financially as there are some options one can try. So, this article will highlight on how to get a business advance loans from reliable lenders and the procedures one can go through as well.

Beginner’s guide to getting a business loan

Facts about business loans

Most people including those in business think that getting a business loan is one of the hardest things. Others fear the repayments plans since business is a total risk. However, these facts will help you understand a few things about the loan.

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  • You can still get a business loan even with bad credit history – Some merchant lenders usually have a program that caters for such but at higher interest rates to take care of the risk.
  • You get instant approval – business loans from reliable financing institutions and lending companies are fast to approve your loan if you qualify. Unlike banks which can take one or more weeks.

Reasons to get a business loan

If you have been running a business, you probably know that sometimes there is a great need to pump some money into it. Here are the common reasons;

  • Startup capital – some people may have business ideas but no capital to start. However, an appealing business plan can lure the financing institutions into giving you one.
  • Expanding capital – At some point, a business will need more capital to grow by adding stock or opening a new branch.
  • Clearing liabilities – when things are not going well, a business may require some more money to cover liabilities they have.

Various ways to get a business loan

  • Merchant lenders – They provide flexible business loans without any requirements that lock many businesses out. As much as some of their lending plans may have higher interest rates, this may be the only option to get a loan for your business.
  • Banks – They are the common lending institutions out there, and their interest rates are fair. However, they have many requirements which include bank statements, business financial records, credit history and a proof of business existence.ghgfgfhgfhgfgfh

Conclusion

Beginners in business can get helpful insights from the above highlights. They not only guide on the importance of a business loan but also the best places to borrow. If they are not helpful now, they will definitely be at some point as the majority of businesses cannot thrive without the need of a loan.

Categories Loans

Useful tips for getting a home loan in California

So you want to buy a house in California, this way you no longer have to waste your money on renting an apartment that no matter how long you stay in it, the unit will never be yours. Well, in the said state, you have a lot of choices. Just look around you, and you will surely find “home for sale” signs. Some are huge, while the others are just right in size, perfect for a small family.

Sure thing, there are lots of houses for sale out there, but the question is, are you ready to buy your very first home? Do you know how to go about getting a home loan if you don’t have enough money to pay the house off up front?

Getting a home loan

dhhdhd64Since this is your first time to purchase a home and get a loan, you are probably wondering what the process is and how long it would take you to get into the house that you intend to purchase. So, here are some useful tips that can help you make the process a lot faster:

Prepare all the requirements

Lenders in Sacramento & Roseville are ready to provide you with the financial assistance that you need in order for you to get your own home. But before you can avail of the loan, it is important that you meet all the requirements, and the needed documents should be ready as well.

First, they will look into your credit history and credit score. If you have been a good payer, then that would be a plus. Secondly, the lending company or bank will also check your ability to pay the loan off. With this, they will check how much your income is. They will require you to provide them with a copy of your payslip as well as your employment details and recent tax returns.

Pay some of your outstanding debts

Companies in California that offers home loans also have access to your outstanding debts. Therefore, it would help a lot if you can settle some of them especially those that still have a huge outstanding balance. Doing so will increase your chances of getting approved for the home loan.

Prepare the down payment

dghhdghgd64Aside from the required documents, see to it that you can also afford the down payment for the house that you want to buy. As long as you are sure that you have enough cash set aside for this, then you can push through with the home loan application.

 

Categories Venture Capital

Ways To Fund A Startup

It is no secret that many people have many starts up ideas. But many of the people are unable to convert them into start-ups due to the many budgets constraints that prevent them from actualizing their dreams. One may have been looking unsuccessfully for funds to start or expand their start-ups. Even though you are yet to secure them, don’t lose hope since there are other ways! Here are some tips that can help you get funds to finance your startup:

Funding a startup

Create a business plan

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This is the fundamental step that you should take if you want investors for your small business. Investors are always looking at the future prospects of your start up before they commit their money into your project. This is where your plan is very important as it will show your future goals. It will further explain why you think you can attain those goals and it will also show on how you are going to attain those goals. If you create a good business plan, your chances of getting an investor to fund your start up will be highly increased.

Borrow from relatives and friends

The main advantage of going this route is that you can avoid incurring high interest rates that you can pay if you go for a loan. It is more unlikely that your family, friends, and relatives will charge you any interests on the money borrowed. But one should note the fact that you should never delay repaying a loan to somebody you owe simply because you know them. But if you decide to go for a loan with a professional lender, then you should make sure that you have a written agreement, and that you have a repayment schedule at hand.

Do your math

The problem that many entrepreneurs have when they are looking for funding for their start-up is knowing approximately how much they need. While they may be having rough estimates, one needs to make sure that it is fairly close to the actual figure. You should write all the expenses on paper. Creating this list is important as it will be easier for you when you start looking for funding for your start up.

Apply for government loans and grants

Both your local government and national governments usually offer loans and grants for those launching new startups. If you apply and qualify for these loans and grants, they can help you very much in funding your new business.

Consider moonlighting

This is another way of funding a startup; this is because there is no interest payment involved. But the major disadvantage about such a source is that you will have less free time, and hence you will sleep less. But this is a very convenient way of funding a startup if you don’t want to get into debts.

Your savings

lksadlnvklnsadlkvnaslkdvnlksandvlknsadvsaAlthough many people are not in a position to save to the extent of funding a startup for themselves, it is also a possibility that you can save and foot most of the costs that come up with establishing a startup business.

While launching a new business, these tips will be important in your fundraising process.

Categories Natural

ForestSat2016

ForestSAT2016: a bridge between forest sciences,
remote sensing and geo-spatial applications.

Sponsors

Sponsors ForestSAT 2016

Media Partners

Sponsors ForestSAT 2016

ABOUT CONFERENCE

Dear colleagues:

 

 

 

 

 

 

 

 

 

It is a pleasure to inform you about the forthcoming Congress ForestSAT-2016 to be organized by the Study Center of Natural Resources (OTERRA) & The School of Forestry at the Universidad Mayor, from 14th to 18th November, 2016. ForestSAT 2016 is the seventh edition of this international scientific conference, which aims to disseminate the latest knowledge gained from research in the field of remote sensing and geomatics in forestry applications. Previous editions were held in Scotland, Sweden, France, Spain, USA and Italy, marking the first time that ForestSAT will be held in Latin America. The scientific quality of this conference will uphold the high standards of previous editions, and we would like to invite you to keep updated through the Blog ForestSAT2016
Themes & Topics

 

 

Forest Monitoring (biodiversity, forest fires, forest health)

a. Change detection and time series analyses.

b. Natural and human induced disturbances: harvesting, forest fires, storms,

insects, disease, drought.

c. Monitoring regeneration, regrowth, succession, encroachment, gap dynamics,

and invasive species.

REDD/FLEGT

a. Use of remote sensing for the analysis of forestry CO2 emissions reduction.

b. Analysis of deforestation, degradation and increased stocks.

c. Estimates of reference levels of forest carbon.

d. Models of forest biomass and carbon.

e. Tools for monitoring, reporting and verification of forest carbon emissions.

f. Supporting the implementation of adaptation and mitigation of climate change.

Latin American Forests

a. Use of remote sensing in the main forest formations in the region.

b. Amazon rainforest.

c. Southern forests.

d. Central America rainforests.

e. Latin American mediterranean forests.

f. Island forest formations.

Forest Mapping and Inventory

a. Approaches for mapping forest types, species, structure, biodiversity indicators

and ecosystems services.

b. Space biomass estimates, height, growing stock.

c. Remote sensing guided statistical estimation, uses of inventory data, sampling,

stratification.

d. Uncertainty analysis.

Forestry and Forest Management

a. Use of remote sensing and geo-spatial analysis supporting forest management

and operations.

b. Forecasts productivity.

c. Models of biodiversity and habitat analysis.

d. Hidrology.

Development of Methods

a. Methods based on optical, microwave and LiDAR data.

b. Classification algorithms, continuous variable modeling.

c. Radiometric and geometric accuracy and precision.

d. Compositing and mosaicking, objects vs. pixels, visualization.

e. Multiscale analysis , data fusion

f. Radiative transfer modeling, 3-dimensional modeling.

g. Radar interferometry, aerial photogrammetry.

h. UAV experimental applications.

Forest Modelling

Program Committee

Organizing Committee

Claudio Muñoz, OTERRA, Universidad Mayor, Chile.
Pablo Cruz, OTERRA, Universidad Mayor, Chile.
Waldo Perez, OTERRA, Universidad Mayor, Chile.
Paulina Vidal, OTERRA, Universidad Mayor, Chile.
Jesús Torralba, OTERRA, Universidad Mayor, Chile.
Markus Frederick Keusch, OTERRA, Universidad Mayor, Chile.

Steering Committee

David Miranda, Universidad Santiago Compostela, Spain.
Gherardo Chirici, Universidad de Firenze, Italy.
Hakan Olsson, Swedish University of Agricultural Sciences, Sweden.
Javier Cano, Corporación Nacional Forestal, Chile.
Juan Suarez, Forest Research, UK.
Maureen Duane, Oregon State, USA.
Pablo Cruz, OTERRA, Universidad Mayor, Chile.
Ronald McRobert, USDA Forest Service, USA.
Ross Hill, Bournemouth University, UK.
Tatjana Koukal, BOKU, Austria.
Warren Cohen, USDA Forest Service, USA.

Scientific Committee

Alfonso Condal, Laval University, Québec, Canada
Alvaro Gutiérrez, Universidad de Chile, Chile.
Angela de Santis, Centro Científico Regional Fundación CEQUA, Chile.
Annemarie Bastrup-Birk, European Environmental Agency, Denmark.
Carlos Cárdenas, Universidad de Magallanes, Chile.
Cristian Mattar, Universidad de Chile, Chile.
Damiano Gianelle, Fondazione Edmund Mach, Italy.
Daniel McInerney, Coillte Teoranta (State Forest Board), Ireland.
Esteban Vojkovic, Ciren, Chile.
Hubert Hasenauer, BOKU, Austria.
Hugo Rivera, Corporación Nacional Forestal, Chile.
Jaime Hernandez, Universidad de Chile, Chile.
Joao Roberto dos Santos, INPE, Brazil.
Juan Carlos Jiménez-Muñoz, UVEG, Spain.
Juan de la Riva, Universidad de Zaragoza, Spain.
Juan Pablo Flores, Ciren, Chile.
Juan Suarez, Forest Research, UK.
Lars T. Waser, Swiss Federal Research Institute WSL, Switzerland.
Laszlo Pancel, GIZ, Germany.
Lin Cao, Nanjing Forestry University, China.
Lori D. Daniels, Forestry UBC, Canada.
Lucio Castro, Embrapa, Brazil.
Luis Morales, Universidad de Chile, Chile.
Marcelo Miranda, Universidad Católica, Chile.
Marcelo Scavuzzo, Comisión Nacional de Actividades Espaciales CONAE, Argentina.
Maria Augusta Doetzer, Embrapa, Brazil.
Maria Pilar Martin, CSIC, Spain.
Michael Koehl, World Forest Institute, Germany.
Nicholas C. Coops, Forestry UBC, Canada.
Patricio Acevedo, Universidad de la Frontera, Chile.
Richard Fournier, Université de Sherbrooke, Canada.
Ross Hill, Bournemouth University, UK.
Ruben Valbuena, University of Eastern Finland, Finland.
Tatjana Koukal, BOKU, Austria.
Victor Sandoval, Universidad Austral, Chile.
Warren Cohen, USDA Forest Service, USA.
Yony Ormazábal, Universidad de Talca, Chile.
Venue

ForestSAT2016 will take place in a conference center located in the Universidad Mayor, campus Huechuraba (Camino La Pirámide 5750, Huechuraba), in Santiago de Chile.
Santiago

IMPORTANT DATES

Deadlines

1st call for abstract

December 15th 2015.
2nd call for abstract

January 25th 2016.
3rd call for abstract

March 1st 2016.
4th call for abstract

April 11th 2016.
Deadline for abstract submission.

July 31th 2016.
Notification of abstract acceptance.

February 22th to August 31th 2016.
Early registration period:

December 1 2015 to July 31th 2016.
Late registration period:

August 1 to November 14th 2016.
REGISTRATION

Abstract submission

The format can be seen in the section Guidelines or ask to Mr. Claudio Muñoz sending an e-mail to info@forestsat2016.com

Please make sure your abstract is in Word formats only.

To send your abstract, you must before register in this website and create an user account. Then, you can send the abstract in a form from your user account or directly through the e-mail info@forestsat2016.com. Click here in Register

Price & Payment

The prices for the registration (US$ American dollars) at ForestSAT-2016 are:

Early registration: US$ 450
Early student registration: US$ 200
Late registration: US$ 550
Late student registration: US$ 350
One day early registration: US$ 250
One day late registration: US$ 300
The early registration is from 1st December, 2015 to 31th July, 2016.

The late registration is from 1st August, 2016 to 14th November, 2016.

The registration fees include:

 

The access to the conference venue, the possibility to submit up to two contributions, the conference information material, seven coffee breaks and three lunches from November 15th to 17th and the icebreaking cocktail.
The social dinner, participation in courses, excursions and all those costs not specified here above are not included and have to be reserved separately.
Registration

Cancellation

Registrations cancelled more than 90 days before the event will be refunded 80% of the registration fees.
Registrations cancelled less than 90 but more than 60 days before the event will be refunded 50% of the registration fees.
Registration cancelled less than 60 days before the event will not be eligible for a refund.
Note:
Substitutions of attendees can be made at any time.
Refund applicants will afford the service charge for the cancellation caused by their own reasons.

Registration

PARTICIPANT GUIDELINE

Preparations – Paper Abstract

To send your abstract, you must before register in this website and create an user account. Then, you can send the abstract in a form from your user account or directly through the e-mail info@forestsat2016.com.

For create an user account on this website CLICK HERE

The abstracts should be in English or Spanish and must include:
Title of the contribution.
Names and affiliations of all authors.
Keywords: between 3 and 7 keywords are requested.
Text of the abstract: formatted in single spacing, with or without citations, without line numbering. Clearly describing the aim(s), materials and methods used, main results achieved. A minimum of 200 words and a maximum of the equivalent of a letter sheet should be used.
Abstracts will be peer-reviewed by the members of the Scientific Committee.

For each contribution accepted as oral or poster presentation at least one of the Authors is expected to attend to ForestSat-2016.

Each ForestSat2016 attendee can present a maximum of two contributions (orally, in a poster session or a mixture of both).

Written Presentation (deadline, e-mail to submit)

Please prepare your presentation in the English Language. The deadline to include your presentation in the Conference Proceedings is August 31th, 2016. Papers received after this date cannot be included in the conference proceedings.

Please submit your paper in MS Word through the form from your user account or directly by email to info@forestsat2016.com.

Format of Written Paper

The best papers will be published in an special issue of European Journal of Remote Sensing. The format of final papers must be as indicated in the following link:

http://www.aitjournal.com/guide.aspx

Important Note: Copies of overheads or PowerPoint slides are NOT ACCEPTABLE as your written paper.
Oral Presentation

For your oral presentation you may bring a PowerPoint file on a USB flash drive (memory stick). You are highly encouraged to bring an additional copy of your presentation in case of technical difficulties. It is suggested that you email a copy of your presentation to your personal inbox as a backup. If for some reason the files can’t be accessed from your flash drive, you will be able to download them to the computer from your email.

All oral presenters are required to submit an electronic version of their presentation 15-20 minutes prior to the beginning of the session in the meeting room. All presentations will be scanned for viruses and subsequently loaded on the main projector computer. Use of your own laptop is not recommended.

Movies: If your PowerPoint files contain movies, please make sure that they are well formatted and connected to the main files.
Timing: Please make sure that your presentation is well timed. Every speaker has a maximum of 15 minutes for speaking and 5 minutes for questions and discussion. Please keep in mind that the program is full, and that the speaker after you would like their allocated time available to them.

Poster Session

There will be an exhibition of posters at the conference and the abstracts of accepted posters will be published in the conference program. You will be notified if your abstract has been accepted for poster presentation as soon as it has been reviewed by the organizing committee. All accepted posters will be presented during the Poster Viewing Session and Coffee Breaks.

Materials to hang your poster will be available at the poster area. However, you should bring your poster printed. You will receive your poster number 4-6 weeks prior to the conference.

Your presence is recommended during lunches and coffee breaks for discussion with those who are interested in your research.

Poster Instructions

Regular poster size is 70 cm (wide) by 90 cm (height).
The text should be readable by visitors standing 1.5 meters away from the poster.
You may display your poster during the conference.
PROGRAM

Preliminary Program

Please note this is not the final program, it´s subjected to minor adjustments. Click in the image to enlarge:

programa_v5

ForestSAT2016 Program by Claudio A. Muñoz on Scribd

Conference Dinner

The Conference Dinner will be the most captivating social event of the ForestSAT 2016 Conference and Exhibition week.

This great event will take place on Wednesday, November 16, in the exclusive Restaurant “Divertimento Chileno” located at Av. El Cerro #722 esquina Pedro de Valdivia Norte, Parque Metropolitano, Santiago. See website www.divertimento.cl

The price per each attendee is $45. For reservation and payment, visit the following link: https://welcu.com/la-oreja/congreso-forestsat-2016?locale=en and + Add Ticket in “Official Dinner”.

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Excursion/Trip

ECOTOURISM
Chillan, historic city located 400 km to the south of Santiago, offers in its mountains, beautiful environments to enjoy its trails. The rich flora and fauna, a great complex of active volcanoes, rivers, glaciers and extensive and old growth forests justify that international organizations (BirdLife International, Nature Conservancy, WWL) declared it as Biosphere Reserve and Biological Corridor, considered a site priority for biodiversity conservation. With a high endemism of flora and fauna, in Shangri-La is possible find more than 30 species of Alstroemeria.

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Excursions

Trail Difficulty Effort Duration Ramp Main attraction
Aguas Calientes Low Medium – High 8 hours 500 meters AMSL Beautiful valley with abundant hot water.
Garganta del Diablo Low Low 4 hours 400 meters AMSL Old mountain refuge.
Fumarolas

Valle Hermoso

Low Low 3,5 hours 100 meters AMSL Outcropping sulfur rich thermal waters.

The following clothing and articles are recommended:

Trekking shoe.
Trekking pants.
Two long sleeve shirts.
Polar jacket or windbreaker.
Swimwear.
Sunscreen; skin and lips.
The total price of the trip, including trasportation Santiago-Chillan-Santiago is $300 dollars. For reservation and payment, visit the following link: https://welcu.com/la-oreja/congreso-forestsat-2016?locale=en and + Add ticket in “Excursión / Trip”.

A bus will depart from Santiago on Friday November 18 at 17 Pm and will travel the beautiful countryside between Santiago and Chillan. The estimated time of arrival to the cottages will be at 22:30 pm. The guests will be greeted with a tasty dinner with typical Chilean food and can sleep and rest to start the tour the next day, Saturday 19 November. Excursions and walks to the thermal pools will be held on Saturday and Sunday. The return to Santiago will be held on Sunday 20 November at 18 hours to reach Santiago approximately 23 hours.

COURSES

ForestSat 2016 is glad to host several courses related to the use of remote sensing applied to forestry.

Classrooms are organized inside the conference building and are finalized to work on real data. For this reason participants need to bring their own laptops.

The cost of each course is US$30 per person. The participation to the courses is strictly restricted to regularly registered ForestSat 2016 participants.

Course #1

Title: Forest Canopy Height Mapping with Radar Interferometry
Instructors: Naiara Pinto, Marc Simard, Michael Denbina.
Maximum number of participants: 30
Language: English.

Description:
Forest canopy height is an essential biophysical parameter for monitoring forest ecosystems. Under specific observation scenarios, Synthetic Aperture Radar sensors can be used to produce wall-to-wall canopy height maps through a technique called Polarimetric Interferometric Synthetic Aperture Radar (PolInSAR). Data amenable for PolInSAR have been collected by US American and European airborne sensors, and are expected to be available from ESA’s BIOMASS radar mission, planned to launch in 2020.

This workshop presents a first introduction of the PolInSAR technique. Students will learn basic SAR concepts and work on a hands-on activity with simulated SAR data. We will cover the following topics:

1) Typical scattering mechanisms at forest sites
2) PolInSAR sensor observation strategy
3) Canopy height estimation using Random Volume over Ground model
4) Uncertainty sources: temporal decorrelation and spatial heterogeneity
5) Examples from temperate, tropical, and boreal forest
6) Synergies with LiDAR-derived metrics

Course #2

Title: LiDAR
Instructors: Martin Isenburg.
Maximum number of participants: 50
Language: English.

Description:
The LiDAR course will focus on how to create Canopy Height Models and plot as well as raster based forestry metrics such as canopy cover, as well as percentiles, strata, kurtosis, skewness, standard deviation, etc for both normalized heights as well as intensities. The focus of the course would be the many important choices that need to be made and their impact on the resulting output. The course will also emphasize the importance of quality checking the raw LiDAR obtained before starting to produce the needed outputs.

(1) Quality Checking

Validating LAS/LAZ files for ASPRS specification conformance to assure – in particular – the correctness of return numbering as this affects pulse density, canopy cover, rumple, and any other return based metric.
Assuring presence of flightline information and possible ways to reconstruct it if missing.
Using flightline information for checking proper alignment and overlap of flight lines.
Assuring the consistency of intensity values across flightlines and – if needed – how to correct them before computing intensity metrics.
Detecting the presence of clouds and their impact on intensity, point density, and return-based metrics.
(2) Preprocessing LiDAR

Tile-based processing and importance of maintaining buffers around tiles to avoid edge artifacts.
Removal of isolated low and high noise points and clouds.
Ground classification.
Height-normalization.
Possible impact of height-normalization on tree crown shape and treetop detection.
Automated detection of buildings and vegetation in rural or urban terrains.
Efficient clipping of plots from a large LiDAR survey.
(3) Derivative Generation

Standard DTM and DSM algorithms.
Various approached to CHM creation. in particular how to generate a “pit-free CHM” at the highest resolution supported by the LiDAR based on the popular, award-winning method by (Khosravipour et al. 2014).
Various approached to DSM creation and why it makes sense to use a DSM instead of a CHM to do treetop detection. time permitting we will introduce our newest algorithm (Khosravipour et al. 2015) for generating a “spike-free DSM” at the highest resolution supported by the LiDAR on the and how its benefits tree top detection.
Generating plot-based as well as raster-based metrics for subsequent use in random-forest type algorithms for timber volume, plantation yield, or plant biomass prediction.
Course #3

Title: Design of Forest Inventories based on Remote Sensing Data
Instructors: Günther Bronner, Umweltdata Austria.
Maximum number of participants: 50
Language: English.

Description:

The proposed workshop would bring the following topics, combined with lots of examples from real projects:

National forest inventories vs. inventories for forest companies
Permanent vs. temporary sample plots
Bitterlich angle count method vs. distinct circular sample plots
Linear sample plots
Regular vs. irregular inventory grids in plantations and natural grown forests
Concentration of sample plots in old grown forests
Stratification of forest areas by airborne LIDAR and spectral data
(pre-fieldwork and post-fieldwork stratification)
Clustering sample plots to minimize the effort of admission to sample plots
Forest inventory related GNSS-navigation
Referencing coordinates of fieldwork-assessed trees to a canopy height model
Combination of RS-based figures and fieldwork-based figures
Plausibility-check of terrestrial measured data by RS methods
Wall-to-wall interpolation based on RS data
Forest inventory related optimization of cost efficiency and accuracy
Representation of inventory results for operational management and decision support
RS-based update of inventory data after calamities
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Camino La Pirámide 5750, Huechuraba, Santiago
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