Events
  • In conjunction with the current exhibition Patterns Bigger Than Any of Us: Jesse Fleming / Pat O'Neill in Ben Maltz Gallery, May 7 - August 12, 2017.

    In Conversation: Jesse Fleming and Pat O'Neill, moderated by LA-based idependent curator and historian Ciara Moloney

     

    Jesse Fleming (b. 1977) is part of an emerging group of artists and technologists that examine the convergence of media art and mindfulness. Recent solo exhibitions were held at Five Car Garage; 356 Mission; and Night Gallery, all in Los Angeles, CA; and the University of Texas in Austin, TX.

    Pat O’Neill’s (b. 1939) artistic and filmmaking career spans over 50 years, and he is highly-regarded for his experiments with film and optical printing. Recent solo exhibitions were held at Berkeley Art Museum and Pacific Film Archive in Berkeley, CA; Monitor in Rome, Italy; VeneKlasen/Werner in Berlin, Germany; Quinta do Quetzal in Vidigueira, Portugal; Mitchell-Innes & Nash in New York, NY; and Cherry and Martin in Los Angeles, CA.

    Ciara Moloney is an independent curator, editor, and writer based in Los Angeles. She was formerly Curator of Exhibitions and Projects at Modern Art Oxford where she curated exhibitions by Barbara Kruger, Josh Kline, Lynn Hershman Leeson, Christian Boltanski and Kiki Kogelnik.

  • Amelia Gray is the author of the short story collections AM/PM, Museum of the Weird, and Gutshot, as well as the novels Threats and, most recently, Isadora, published by Farrar, Straus and Giroux. Her fiction and essays have appeared in The New Yorker, the New York Times, the Wall Street Journal, Tin House, and VICE. She is winner of the New York Public Library Young Lions Award, of FC2's Ronald Sukenick Innovative Fiction Prize, and a finalist for the PEN/Faulkner Award. 

  • Luis J. Rodriguez was Los Angeles Poet Laureate from 2014-2016. The twenty-fifth edition of his first book, Poems Across the Pavement, won a 2015 Paterson Award for Sustained Literary Achievement. He has written fourteen other books of poetry, children’s literature, fiction, and nonfiction, including the best-selling memoir Always Running: La Vida Loca: Gang Days in L.A. Rodriguez is also founding editor of Tia Chucha Press and co-founder of Tia Chucha’s Centro Cultural & Bookstore in the San Fernando Valley. In 2016 Tia Chucha Press produced the largest anthology of L.A.-area poets, Coiled Serpent: Poets Arising from the Cultural Quakes & Shifts of Los Angeles. Rodriguez’s last memoir It Calls You Back: An Odyssey Through Love, Addiction, Revolutions, and Healing was a finalist for the 2012 National Book Critics Circle Award. His latest poetry collection Borrowed Bones appeared in 2016 from Curbstone Books/Northwestern University Press.

  • Raised in Philadelphia, with roots in South Africa and Trinidad, Zinzi Clemmons’ writing has appeared in Zoetrope: All-Story, Transition, The Paris Review Daily, and elsewhere. She has received fellowships and support from the MacDowell Colony, Bread Loaf, the Fine Arts Work Center in Provincetown, and the Kimbilio Center for African American Fiction. She is co-founder and former Publisher of Apogee Journal, and a Contributing Editor to LitHub. She teaches literature and creative writing at the Colburn Conservatory and Occidental College. Her debut novel, What We Lose, as well as a second title, are forthcoming from Viking.

  • Louise Sandhaus is a graphic designer and graphic design educator. She was previously Director of the Graphic Design Program at CalArts where she currently is faculty. Her recent book on California graphic design, Earthquakes, Mudslides, Fires and Riots: California and Graphic Design 1936-1986, co-published by Metropolis Books and Thames & Hudson, has received laudatory reviews from The New York Times, The Guardian, Eye, and Creative Review. The book received the Palm d’Argent for best art book at FILAF (International Festival of Art Books and Films on Art).

  • Photo Credit: Jesse Pniak

     

    F. Douglas Brown received the 2013 Cave Canem Poetry Prize (selected by Tracy K. Smith) for Zero to Three, published by the University of Georgia. He also co-authored the chapbook Begotten with Geffrey Davis as part of Upper Rubber Boot Book's Floodgate Poetry Series. Both a past Cave Canem and Kundiman Fellow, his poems have appeared in the Academy of American Poets, The Virginia Quarterly, Bat City Review, The Chicago Quarterly Review, The Southern Humanities Review, The Sugar House Review, Cura Magazine, and Muzzle Magazine. He is co-founder and curator of un::fade::able - The Requiem for Sandra Bland, a quarterly reading series examining restorative justice through poetry as a means to address racism. Brown currently teaches English at Loyola High School in Los Angeles.

  • Emily Raboteau’s nonfiction work Searching for Zion was named a best book of 2013 by the Huffington Post and the San Francisco Chronicle, and was a finalist for the Hurston Wright Legacy Award, grand prize winner of the New York Book Festival, and a winner of a 2014 American Book Award. She is the author of a novel, The Professor’s Daughter, and her fiction and essays have been published and anthologized in Best American Short Stories, the New York Times, The New Yorker, Tin House, Buzzfeed, LitHub, The Guardian, Guernica, Virginia Quarterly, The Believer, and Salon. Other honors include a Pushcart Prize, the Chicago Tribune’s Nelson Algren Award, and fellowships from the NEA, the Lannan Foundation, and the MacDowell Colony. Raboteau teaches creative writing at City College in New York.

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Financial Literacy

The Financial Aid Office considers Financial Literacy a critical aspect of a student's life at Otis. Issues such as budgeting, credit history, savings and general costs are stressors in a student's life.  Our goal is to educate and empower students to have a handle on their financial well-being.

The Financial Aid Office has partnered with SALT Money.

 

 

SALT™ is a free, nonprofit-backed resource that makes it simple for you to take control of your finances and student loans.

Sign up now to:

Brought to you by American Student Assistance®.


Credit History

(Outside links)

Credit Report - Official Federal Site for your FREE annual credit report

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Building Your Credit History

Responsibly building credit is something young people should think about and discuss.  Credit is a big responsibility with long term consequences.

It is important to understand the inner workings of your credit history.  Creditors judge you based on your credit history.  Another set of people who can look at your credit in the future is prospective employers.  The long term effects of bad decisions regarding your credit can last seven years.  It's a long term commitment.

Evaluate your current credit history
You may not think you have credit but you should still take a look at your credit history with all three credit bureaus to establish a baseline.  The only federally approved site is: www.annualcreditreport.com.  This will also assure you that you are not a victim of identity theft.

Keep electronic copies of your credit history in a secure place.  An example would be to print it out as a pdf and keep them where you keep your tax information.  It's important to keep this for future reference and also if anything is incorrectly inputted then you have a copy for proof.

Build your savings and checking
Before even thinking of getting credit, your ability to pay and hold yourself to a budget is crucial.  So having a savings and checking account can help you track your expenses and gives you the ability to automatically deduct payments from your savings or checking.  This will prevent you from having late payments.

Understand the card you want
You want a card that will last you a very long time.  It was common practice in the past to get rid of a credit card if you find better deals but this process puts an inquiry on your credit.  Since you are just starting your credit, the inquiry hurts your credit much more than that of someone who has established credit. 

Store cards used to be a popular way to build credit but the long term aspect of a card and the transient nature of the student and workforce is not conducive to a store card.

Stick with the big bank brands and make sure that you understand your rate, fees and credit limits.

Credit Score
A Credit Score ranges from 300 to 850. Above 750 is considered by some creditors as a good credit score.  Keep in mind that you may have a different credit score for each credit bureau.

Inquiries
It is important to be selective regarding who and how many times your credit is checked by a creditor.  Every time your credit is checked by a creditor, you have an inquiry on your record that lasts two years.  While one or two inquiries are not entirely bad on your credit, several of them within a year can hurt a credit history that has little on it.  Seeking new credit is considered a hard inquiry and a promotional mailing is considered a soft inquiry.

Credit Limits: 20% rule
There is an assumption that if a creditor gives you a credit limit of $500 then you can spend up to that amount and your credit will be fine.  In reality, spending close to the limit hurts your credit because you are near the max.  To retain a good credit score, spend no more than 20%: in the $500 example that is only $100.

Ability to Negotiate
Once you have established good credit for more than a year, call your creditor to lower your interest and increase your limits. Calling your creditor and being proactive regarding your credit keeps you aware of your score and limit.  More importantly, you are starting to gain higher limits and save more money by having a lower rate should you carry your balance over.

Faster Way to Gain Credit
Building established credit typically requires a two to three years of good and responsible credit use.   However, there will be situations in which you might need to establish your credit within a few months instead of years.  This process takes a few months to complete, so please give yourself plenty of time.

The following process is one of the better ways to immediately establish credit.  This does not guarantee approval on a private loan.  The basic concept is to piggyback on someone's good credit card.

You need someone with good credit on a credit card that:

  • they have had for longer than five years
  • has a credit limit higher than approximately $5,000
  • has never been late with payments
  • has a current balance no more than 20% of the card limit
  • reports to all three credit bureaus


Ask this person to add you as a "joint account holder".  The terminology is important because you could be added as an "authorized user" and it will not improve your credit since it will not be counted on your credit score.  After being added as a joint account holder you will need to know when the creditor reports to the credit bureaus so that you know when your credit is affected.

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