#Asset Liability Management

[dayofbanks]

Investment Banks and Finance Companies.

Investment banks offer services in equity capital markets, leveraged debt capital markets, commercial real estate, asset finance and leasing, and corporate lending services. The major functions of investment banks are raising funds, asset management, mergers and acquisitions advisory services, brokerage services, and market making. The asset management function of investment banks involves managing the funds of corporations and investing in stocks, fixed-income securities/bonds, derivatives investments, and other types of investments. Investment banks are actively involved in mergers and acquisitions by performing the functions of deal making. Securities underwriting is the process by which investment banks raise investment capital from investors in the form of equity and debt capital on behalf of companies and government authorities. Underwriters offer a set of services for initial public offerings (IPOs) or seasoned equity offerings. The methods used for IPO pricing are the fixed price method and book building process. The debt capital markets services divisions of investment banks solicit structures and execute investment-grade debt and related products, which include new issues of public and private debt. The strategic changes in investment banks has often been cited as a reason for the economic crisis that crippled the global economy.

Finance companies are specialized financial institutions that make loans to individuals and corporations for the purchase of consumer goods and services. The three major types of finance companies are consumer finance, business or commercial finance, and sales finance.

Learn more about Investment Banks and Finance Companies related to the publication - Strategies of Banks and Other Financial Institutions: Theories and Cases.

[bctdigitalai]

BCT Digital: Revolutionizing Asset Liability Management for Financial Institutions

In the dynamic landscape of finance, where precision and adaptability are paramount, BCT Digital emerges as a pioneering force in revolutionizing Asset Liability Management (ALM) solutions for financial institutions worldwide. With a commitment to innovation and a deep understanding of the complexities within the financial sector, BCT Digital offers cutting-edge ALM solutions tailored to meet the evolving needs of modern banking.

A Visionary Approach to ALM:

At the heart of BCT Digital's mission is the relentless pursuit of excellence in ALM. By harnessing the power of advanced technology such as artificial intelligence, machine learning, and big data analytics, BCT Digital empowers financial institutions to navigate the intricate balance between assets and liabilities with unprecedented precision.

Key Features and Benefits:

Comprehensive Risk Management: BCT Digital's ALM solutions provide comprehensive risk management capabilities, enabling institutions to identify, measure, and mitigate risks effectively. From interest rate risk to liquidity risk and beyond, BCT Digital equips organizations with the tools necessary to maintain optimal risk exposure in a volatile market environment.

Real-Time Insights: In an era where agility is essential, BCT Digital delivers real-time insights that empower institutions to make informed decisions swiftly. By leveraging advanced analytics, financial institutions gain unparalleled visibility into their balance sheets, allowing for proactive risk management and strategic planning.

Customization and Flexibility: Recognizing that every institution has unique needs, BCT Digital offers highly customizable ALM solutions tailored to each client's specific requirements. Whether it's adjusting risk parameters, modeling complex scenarios, or integrating with existing systems, BCT Digital ensures flexibility and scalability to accommodate diverse business objectives.

Regulatory Compliance: Staying compliant with regulatory requirements is non-negotiable in the financial industry. BCT Digital's ALM solutions are designed to facilitate compliance with regulatory standards, providing robust reporting capabilities and audit trails to ensure adherence to regulatory guidelines.

Enhanced Efficiency and Cost Savings: By streamlining ALM processes and eliminating manual tasks, BCT Digital drives operational efficiency and cost savings for financial institutions. Through automation and optimization, institutions can allocate resources more effectively, allowing for greater focus on strategic initiatives and client-centric activities.

The Future of ALM:

As financial markets continue to evolve and grow increasingly complex, the need for sophisticated ALM solutions has never been greater. BCT Digital stands at the forefront of this evolution, empowering financial institutions to thrive in an ever-changing landscape.

With a steadfast commitment to innovation, reliability, and client satisfaction, BCT Digital remains dedicated to shaping the future of Asset Liability Management. By harnessing the power of technology and expertise, BCT Digital enables institutions to navigate uncertainty with confidence, driving sustainable growth and success in the digital age.

Discover the transformative potential of BCT Digital's ALM solutions and embark on a journey towards excellence in risk management and strategic decision-making. Together, let's redefine the future of finance.

[bctdigital]

BCT Digital: One Stop Solution for Credit Risk, EWS, Expected Credit Loss,Audit Management,ERM, GRC,Audit Management, Compliance Management, Model Risk Management,Asset Liability Management,Raroc Calculator.

BCTDigital is a leading technology firm that provides cutting-edge solutions for financial institutions and businesses in the area of credit risk, enterprise risk management, audit management, compliance management, model risk management, and asset liability management. The company's goal is to help its clients effectively manage risk and comply with regulatory requirements, ultimately leading to improved financial stability and growth.

Credit Risk Management: BCTDigital's credit risk management solution enables financial institutions to monitor and manage their credit risk exposure in real-time. It provides an in-depth view of credit portfolios, early warning systems (EWS) and stress testing capabilities to assess the impact of various economic scenarios on the credit portfolio. This helps institutions make informed decisions regarding loan origination and portfolio management, reducing the risk of credit losses.

Enterprise Risk Management: BCTDigital's enterprise risk management solution provides a comprehensive view of all risks facing an organization, including operational, financial, and strategic risks. It enables organizations to identify, assess, and prioritize risks, and to design and implement appropriate risk mitigation strategies. This helps organizations make informed decisions and manage risks more effectively, leading to improved financial stability and performance.

Audit Management: BCTDigital's audit management solution streamlines the audit process, making it more efficient and effective. It provides a centralized platform for managing audit plans, schedules, and results, as well as for tracking and reporting on audit findings. This helps organizations ensure that audits are conducted in a consistent and efficient manner, and that any issues are identified and addressed in a timely manner.

Compliance Management: BCTDigital's compliance management solution helps organizations ensure compliance with relevant regulations and laws. It provides a centralized platform for managing compliance policies, procedures, and processes, as well as for tracking and reporting on compliance activities. This helps organizations reduce the risk of non-compliance, ensuring that they are able to meet their obligations and maintain their reputation.

Model Risk Management: BCTDigital's model risk management solution helps organizations manage the risks associated with the use of mathematical models in their operations. It provides a centralized platform for managing and testing models, as well as for tracking and reporting on model performance. This helps organizations ensure that their models are accurate and reliable, reducing the risk of incorrect decisions based on inaccurate model outputs.

Asset Liability Management: BCTDigital's asset liability management solution helps organizations manage the risks associated with their balance sheet. It provides a comprehensive view of an organization's assets and liabilities, as well as the potential impact of changes in interest rates, market conditions, and other factors on their balance sheet. This helps organizations make informed decisions regarding their balance sheet, reducing the risk of financial losses.

In conclusion, BCTDigital's solutions provide financial institutions and businesses with the tools they need to effectively manage risk and comply with regulatory requirements. By providing a centralized platform for managing risk and compliance, organizations can make informed decisions, improve financial stability and performance, and ultimately achieve their goals. Whether you are a financial institution looking to manage credit risk or a business looking to ensure compliance with regulations, BCTDigital has the expertise and technology to help you succeed

[kc22invesmentsblog]

Unlock Financial Wisdom with "Rich Dad Poor Dad": A Life-Changing Read

Written by Delvin Hey there, fellow bookworms and aspiring wealth builders! Today, I want to share with you one of my all-time favorite books that had a profound impact on my financial mindset: “Rich Dad Poor Dad” by Robert Kiyosaki. This book holds a special place in my heart as it was not only one of the first books I ever read but also the catalyst that sparked my journey towards financial…

[speiserlaw]

Nevis Enacts Amendments to LLC Ordinance

By Stephen Speiser, Esq. May 2024 In 2009, the Nevis Island Assembly enacted the Nevis Limited Liability Company Ordinance, which opened the door to the convenient formation of offshore business entities in a tax-friendly and asset-protective Caribbean jurisdiction. A major rewrite of the legislation in 2017 did not make any substantive changes, disappointing many who advocated for the adoption…

[reasonsforhope]

As relentless rains pounded LA, the city’s “sponge” infrastructure helped gather 8.6 billion gallons of water—enough to sustain over 100,000 households for a year.

Earlier this month, the future fell on Los Angeles. A long band of moisture in the sky, known as an atmospheric river, dumped 9 inches of rain on the city over three days—over half of what the city typically gets in a year. It’s the kind of extreme rainfall that’ll get ever more extreme as the planet warms.

The city’s water managers, though, were ready and waiting. Like other urban areas around the world, in recent years LA has been transforming into a “sponge city,” replacing impermeable surfaces, like concrete, with permeable ones, like dirt and plants. It has also built out “spreading grounds,” where water accumulates and soaks into the earth.

With traditional dams and all that newfangled spongy infrastructure, between February 4 and 7 the metropolis captured 8.6 billion gallons of stormwater, enough to provide water to 106,000 households for a year. For the rainy season in total, LA has accumulated 14.7 billion gallons.

Long reliant on snowmelt and river water piped in from afar, LA is on a quest to produce as much water as it can locally. “There's going to be a lot more rain and a lot less snow, which is going to alter the way we capture snowmelt and the aqueduct water,” says Art Castro, manager of watershed management at the Los Angeles Department of Water and Power. “Dams and spreading grounds are the workhorses of local stormwater capture for either flood protection or water supply.”

Centuries of urban-planning dogma dictates using gutters, sewers, and other infrastructure to funnel rainwater out of a metropolis as quickly as possible to prevent flooding. Given the increasingly catastrophic urban flooding seen around the world, though, that clearly isn’t working anymore, so now planners are finding clever ways to capture stormwater, treating it as an asset instead of a liability. “The problem of urban hydrology is caused by a thousand small cuts,” says Michael Kiparsky, director of the Wheeler Water Institute at UC Berkeley. “No one driveway or roof in and of itself causes massive alteration of the hydrologic cycle. But combine millions of them in one area and it does. Maybe we can solve that problem with a thousand Band-Aids.”

Or in this case, sponges. The trick to making a city more absorbent is to add more gardens and other green spaces that allow water to percolate into underlying aquifers—porous subterranean materials that can hold water—which a city can then draw from in times of need. Engineers are also greening up medians and roadside areas to soak up the water that’d normally rush off streets, into sewers, and eventually out to sea...

To exploit all that free water falling from the sky, the LADWP has carved out big patches of brown in the concrete jungle. Stormwater is piped into these spreading grounds and accumulates in dirt basins. That allows it to slowly soak into the underlying aquifer, which acts as a sort of natural underground tank that can hold 28 billion gallons of water.

During a storm, the city is also gathering water in dams, some of which it diverts into the spreading grounds. “After the storm comes by, and it's a bright sunny day, you’ll still see water being released into a channel and diverted into the spreading grounds,” says Castro. That way, water moves from a reservoir where it’s exposed to sunlight and evaporation, into an aquifer where it’s banked safely underground.

On a smaller scale, LADWP has been experimenting with turning parks into mini spreading grounds, diverting stormwater there to soak into subterranean cisterns or chambers. It’s also deploying green spaces along roadways, which have the additional benefit of mitigating flooding in a neighborhood: The less concrete and the more dirt and plants, the more the built environment can soak up stormwater like the actual environment naturally does.

As an added benefit, deploying more of these green spaces, along with urban gardens, improves the mental health of residents. Plants here also “sweat,” cooling the area and beating back the urban heat island effect—the tendency for concrete to absorb solar energy and slowly release it at night. By reducing summer temperatures, you improve the physical health of residents. “The more trees, the more shade, the less heat island effect,” says Castro. “Sometimes when it’s 90 degrees in the middle of summer, it could get up to 110 underneath a bus stop.”

LA’s far from alone in going spongy. Pittsburgh is also deploying more rain gardens, and where they absolutely must have a hard surface—sidewalks, parking lots, etc.—they’re using special concrete bricks that allow water to seep through. And a growing number of municipalities are scrutinizing properties and charging owners fees if they have excessive impermeable surfaces like pavement, thus incentivizing the switch to permeable surfaces like plots of native plants or urban gardens for producing more food locally.

So the old way of stormwater management isn’t just increasingly dangerous and ineffective as the planet warms and storms get more intense—it stands in the way of a more beautiful, less sweltering, more sustainable urban landscape. LA, of all places, is showing the world there’s a better way.

-via Wired, February 19, 2024

[mjseesphere]

It's exhausting to accept liabilities over assets, isn't it?

[onemeandream]

Make a Simple Performance Management Roadmap:

This article is a simplified way to help new business owners make a performance management roadmap for themselves. Again this is a very simplified version but a good start.

A simple performance management roadmap basically starts from knowing where we are today, and ending where we want to be some point in the future. It revolves around managing our assets and liabilities to best improve our financial and overall operational performance. This can be used for individuals or businesses Do we run our company, or does our company run us? I found this a good question to…

[fastlane-freedom]

This Is How You Can Know Your Net Worth

The term net worth has a nice, rich-person ring to it, doesn’t it? But you’re wrong if you think it’s only for the mega-rich; everyone has a net worth. Checking your net worth is like using a thermometer to check your temperature (your financial temperature). If your temperature spikes up, you’d likely go to a doctor for testing. The same goes for your financial/net worth temp, except that a…

[dayofbanks]

How and why do strategic perspectives of financial institutions differ by class and region? 

Strategies of Banks and Other Financial Institutions: Theories and Cases is an introduction to global financial institutions that presents both theoretical and actual aspects of markets and institutions. The book encompasses depository and non-depository Institutions; money markets, bond markets, and mortgage markets; stock markets, derivative markets, and foreign exchange markets; mutual funds, insurance, and pension funds; and private equity and hedge funds. It also addresses Islamic financing and consolidation in financial institutions and markets. Featuring up-to-date case studies in its second half, Strategies of Banks and Other Financial Institutions proposes a useful theoretical framework and strategic perspectives about risk, regulation, markets, and challenges driving the financial sectors.

Key Features

Describes theories and practices that define classes of institutions and differentiate one financial institution from another

Presents short, focused treatments of risk and growth strategies by balancing theories and cases

Places Islamic banking and finance into a comprehensive, universal perspective

[bctdigitalai]

Unlocking Financial Stability with BCT Digital's Asset Liability Management Solutions

In the dynamic landscape of finance, where uncertainties lurk around every corner, the ability to manage assets and liabilities effectively is paramount. It's a balancing act that demands precision, foresight, and innovative solutions. This is where BCT Digital steps in, offering cutting-edge Asset Liability Management (ALM) solutions tailored to meet the diverse needs of financial institutions worldwide.

Introducing BCT Digital:

BCT Digital stands at the forefront of technological innovation, empowering financial institutions to navigate complex challenges with confidence. With a proven track record of delivering state-of-the-art solutions, BCT Digital has earned the trust of industry leaders globally. As a pioneer in fintech, the company combines expertise, vision, and advanced technology to drive financial transformation.

The Essence of Asset Liability Management:

Asset Liability Management lies at the heart of sound financial management for banks, credit unions, and other financial institutions. It involves strategic decision-making to optimize the balance between assets and liabilities while mitigating risks and maximizing returns. ALM encompasses a spectrum of activities, including liquidity management, interest rate risk management, capital planning, and regulatory compliance.

BCT Digital's ALM Solutions:

At BCT Digital, we understand that one size does not fit all. That's why our ALM solutions are designed to be flexible, scalable, and customizable, catering to the unique requirements of each client. Leveraging advanced analytics, machine learning, and AI-driven algorithms, our platforms provide real-time insights and actionable intelligence, empowering decision-makers to stay ahead of the curve.

Key Features and Benefits:

Comprehensive Risk Management: Our ALM solutions offer comprehensive risk assessment tools that enable institutions to identify, measure, and mitigate risks effectively. From liquidity risk to interest rate risk, we've got you covered.

Scenario Analysis: Anticipating the future is key to success in finance. With our scenario analysis capabilities, clients can model various economic scenarios, stress test their portfolios, and develop robust contingency plans.

Regulatory Compliance: Staying compliant with regulatory requirements is non-negotiable. Our ALM platforms are equipped with built-in compliance modules, ensuring adherence to all relevant regulations and standards.

Enhanced Decision-Making: Make informed decisions backed by data-driven insights. Our intuitive dashboards and reporting tools provide a holistic view of your institution's financial health, empowering you to make strategic choices with confidence.

Seamless Integration: Our ALM solutions seamlessly integrate with existing systems and workflows, minimizing disruption and maximizing efficiency. Whether you're a small community bank or a multinational financial conglomerate, our platforms adapt to your needs.

Unlock Financial Stability with BCT Digital:

In today's fast-paced financial landscape, staying ahead of the curve is no longer optional—it's imperative. With BCT Digital's Asset Liability Management solutions, you can unlock new opportunities, mitigate risks, and achieve sustainable growth. Join the ranks of industry leaders who trust BCT Digital to drive innovation, efficiency, and financial stability. Discover the power of ALM reimagined with BCT Digital today.

[exfil]

every time i think about the dynamic between ghost and soap in the ghost team mission i loose my mind.

ghost, a man with a well established ego problem (pay attention and you just might learn something), after managing to save a subordinate from an impossible situation in las almas through guidance alone (welcome to guerilla warfare), a subordinate that clearly looks up to him (i want to be like you when i grow up), that feeds said ego problem (fucking beautiful sir), that trusted him with his life despite just being betrayed (las almas can corrupt anyone - not us), who he watched grow under his command from a liability (keep up soap) to a cherished asset (a man after my own heart), a man that he literally told to jump (we stay here we're dead, now jump!) and who did so without asking how high, that got shot and looked for him first (fuck ghost where are you), that always makes clear that his allegiance is to him first (don't call me johnny, only ghost can pull that off),

he watched that man, his seargant, wearing a mask of his face, gearing up to kill graves like ghost asked him to (this happened on my watch and I'll need help to fix it), hesitate for just a moment.

because he wanted to make sure ghost was there with him (you coming, ghost?).

how do you think that made him feel?

[theambitiouswoman]

Wealth Building: What Rich People Do Differently

Wealthy people prioritize learning about personal finance, investing, and wealth building strategies. They always strive to gain more knowledge in these areas.

They maintain a long term perspective when setting financial goals and are patient in their pursuits.

Wealthy people diversify their investments across various asset classes to manage their risk.

Many of them are entrepreneurs who create and manage businesses as a means to build wealth.

They build and nurture professional networks opens doors to opportunities for investments, partnerships, and business growth.

They set clear, specific financial goals and regularly review and adjust their strategies to stay on track.

Wealthy individuals exercise discipline in their spending habits, avoiding impulse purchases and consistently saving and investing.

They assess and manage investment risks carefully, often with the guidance of financial advisors.

Many engage in philanthropy and charitable giving, recognizing the importance of supporting their communities and causes they care about.

Wealthy people invest in their personal development, acquiring new skills and knowledge to increase their earning potential or make better investment decisions.

They use legal tax strategies to minimize tax liabilities, such as tax advantaged accounts and tax efficient investments.

Legal structures like trusts and estate planning are employed to safeguard assets and facilitate smooth wealth transfer.

Wealthy people can adapt to changing economic conditions and market trends by diversifying income sources and investments.

Building wealth often involves overcoming setbacks and failures, and the wealthy demonstrates the result of persistence in their pursuit of financial success.

They have a positive and growth oriented mindset drives their belief in their ability to succeed and willingness to take calculated risks.

They prioritize acquiring and growing assets, emphasizing that assets generate income and wealth over time.

They are cautious about spending in liabilities (Things that do not make you money) and maximize their assets (add value) and those that detract from wealth (liabilities).

Instead of working solely for money, they make money work for them.

When they indulge in luxury purchases, they do so using returns on their investments rather than the money they earn or have saved.

[zirconika]

I would love if you could write a fluffy negan x fem!reader one shot, there is genuinely not enough!!! I can’t think of any prompts tho I’m sorry 😭 but if you’re not able to write it then it’s all good🫶🏻

déjà vu

⇚ NAVIGATION || MASTERLIST

PAIRING: Negan Smith x Fem!Grimes!Reader WORDS: 3.6k SUMMARY: Being in charge of guarding Negan’s cell has given you plenty of opportunities to spend time with him against your will, but you unexpectedly end up bonding with him. Which is why nothing could have prepared you for finding out that you’ve met before and how. (Reader is Rick’s sister) WARNINGS: fluff, blood … idk what to say just read it!!!  SETTING: post-negan alexandria A/N: oh my god nonnie u r absolutely correct i just checked there’s a concerning shortage in negan fluff so ask and you shall receive!!! ps im nawt sure what u had in mind so i hope this works 

You hated Negan. End of story.

“Why do I have to be the one to do all this?” you’d complain to yourself every time you were handed the food you’d have to deliver to his cell. But you knew why. Your grief and your injury made you a liability than an asset out in the field, thus you found yourself assigned to something worse than desk duty—Negan duty.

The day your brother presumably died, you were so close to reaching him. Just a couple more steps ahead of you and you could have saved him…

But upon the explosion of the bridge had you skidding away, having you hit your head down on the harsh surface of the ground, blood spilling from under the back of your head as well as your broken leg… It had gotten blurry, but it happened nonetheless.

You were bedridden for a week, and you hated it—being left all alone to bear the weight of your grief. The communities were in shambles, and you couldn’t even bring yourself to lead just like your brother did.

When you got better, the ‘council’ refused to let you out, assigning you instead to managing the damned prisoner you had never once bothered to visit for any reason ever since he got locked up.

Now, there you were everyday, feeding the sick bastard canned tuna for breakfast. 

“Where’s the other guy?” he had asked you on the first day you stopped by. Without a word, you gave him his plate, only to sit down across from him, your arms crossed. 

“Doesn’t matter, I’m just doing my job.”

“Goddamn,” he said, that grin of his spirited as ever. Fuck this guy. You started to think of ways you could poison his meals without anyone knowing. “They gave you the fun work from home job? Not cool!”

The first time you met Negan was when he came by Alexandria. You weren’t there when the line-up happened, but it changed Rick. You’d never seen your brother so lost, disconnected from himself and everyone.

He didn’t eat the first meal you brought him, or the second, not even the third.

For a while, it was just like that—you glaring at him while he talked all about… Well, Negan talked about everything. He never seemed to shut up. At least when you were around. When you got better, you began going out again to go on supply runs and when you returned to fulfill your tasks of distributing his food, you also began to notice the change in him.

“Took you long enough,” he said. This time, he really took the time to dig in. “How was the outside? Fun?”

“It was alright,” you said. You’d been against holding a conversation with him, having carried the anger you thought your brother deserved to harness against him. But you’d been feeling so alone the entire time, you decided talking wouldn’t be the worst thing in the world. “Found a box of canned goods, so that’s that. Good thing I don’t have any assholes taking half of whatever I got.”

“Ha ha,” Negan deadpanned as he continued eating. “I was worried you’d never show up. Been meaning to finally talk to someone.”

“What, you don’t blabber your ass off to any of the guys who’ve visited you?”

“Hell no,” he responded, looking at you as if what you just suggested was the worst thing in the world. 

Racking your mind on why on Earth would this dipshit find you entertaining to talk to despite you not holding any form of conversation throughout your entire time together last time, you decided there was only one possible reason. “You think I’m easy to crack.”

“No, are you crazy?” He looked up at you with a grin on his face as he ate his meal from his seat. “You just seem like the listener type. A lot of you Grimes do.”

You wanted to ask what he meant by that, but you kept your mouth shut. You let him talk his ass off until he finished his food before you wordlessly took his plate. 

As you were about to leave the room, he called out to you. “This gonna be a regular thing?”

“I hope not,” you said as you stepped out and closed the door behind you, with no intention of making this your daily routine. 

Except it eventually did. You don’t know how it happened, but it just did, and you let it. At one point, you started bringing him the food you cooked for yourself, asking him if it was good.

“Are you kidding me?” Negan said in between chews of the spaghetti you made. “I’d go as damn far as saying you might’ve beaten me in my own game.”

“Ha ha,” you deadpanned, parallel to what he’d replied to you on the first day of your routine. “You’re just trying to get me to open your gate for you.”

“Yeah, ‘cause that’s the thing that just tickles ma balls.”

“Fucker,” you laughed.

You brought him all sorts of dishes you tried to cook. You would’ve asked Carol for help, but years after Rick’s death, everyone maintained a sort of distance from each other. It didn’t help that the Kingdom was hours away, and if you brought any of the food you made, it would’ve been rotten by the time you got there thanks to the heat.

It surprised you how easy it was to talk to him. Some days, you’d forget he was even a prisoner, but more of your friend. Then you’d remember everything he’s done and you’d become distant at times. Negan never commented on it, but he noticed it.

Michonne wanted to ask about why you were making food suitable for two people, but even she felt the gap between the two of you. You loved Michonne, but there was definitely a rift there somewhere.

The only time you’d hang out was when you were at the dinner table with her and the kids, and even then the two of you would only talk about whatever it was the kids wanted to talk about.

You were more close to Judith. For one, she was also fun to talk to. 

You and Negan had that preference in common—talking to Judith Grimes.

It was thanks to Judith you found out about something. After reading to her in bed, you noticed she seemed to still be wide awake. “What, you’re not sleepy yet?”

“I’m not allowed to tell you,” she said, seemingly scared of something. You wondered if Negan had threatened her, that maybe his kindness towards you was in preparation for something sinister.

“Tell me what?”

Judith beckoned you to come closer. You oblige. To your surprise, your niece leaned into your ear to whisper, “Someone has a crush on you!”

You had a feeling who she was referring to. “Who?”

Judith backed away, sinking into her blanket. “I can’t say!”

“Well, what did this someone say?”

“I can’t tell you! Goodnight, Auntie!” And then Judith covered her blanket over her head, guilty about what she’d said. Could it be?

“You’re really not gonna tell me?” you teased your niece. But you knew that once Judith’s made up her mind, that was it. You watched as the blanket shifted left and right out of Judith shaking her head. “Alright, then. Good night, baby.”

Alas, you weren’t able to have your questions answered when you found out about Negan escaping. 

You couldn’t find the words to describe how you were feeling, because it felt wrong to admit you even did feel anything. Maybe he was just using me so I wouldn’t notice his plans to escape… Did he always have plans to escape? Did he get out because of me?

︵‿︵‿︵‿︵‿︵‿︵‿︵

When he returned, he looked forward to seeing you again. While waiting, he fidgeted with his fingers. Negan Smith was a man of boastful performances; he always knew how to exude confidence in any situation. Coming back into his cell, he was so sure he’d have a fun time slipping back to your old routine together.

His heart almost leapt out of his throat when the door opened for the second time. The first time, he thought it was you, but he just got a whole lecture about everything. 

It bored him to death. He’d returned. There was nothing for him out there, and even if there was… It didn’t matter anymore.

You had to ignore the familiarity in what he called you…

“Hey, gorgeous. Missed me?” He excitedly watched as you came in, his friendly grin faltering when he realized you came in with the food he was originally given during his first few years of imprisonment.

Canned tuna.

“What, no new meal you want me to test today?” he asked, albeit nervously. To Negan’s dismay, his confidence was wavering. “Hellooo?”

Instead of sitting or standing right next to his cell, you sat at the spot you’d taken on the first day. You crossed your arms. 

“Oh, you’re pissed.”

You stared at him coldly. It bothered him, really. He’d gotten so used to seeing you with a warm, friendly smile on your face. He thought he’d have the luxury of seeing it again as soon as he returned.

Instead, he was met by your cold script, “Finish your meal.”

Negan began to strategize, thinking of how he wanted his play to be. In an attempt to reclaim his confidence, he decided to play the stubborn card, saying, “Nope.”

But you weren’t in the mood to play. “Alright, then don’t eat.”

“Fine,” he challenged.

But you weren’t the kind to back down either. “Fine.”

You were curious to know the story behind that subtle flash of recognition in his face that disappeared as soon as it came. It piqued your interest, as you recall having this conversation a long time ago… 

Deja vu, you thought to yourself.

To your surprise, Negan shook his head. “Jeez, just got goosebumps. Got deja vu there for a minute, it’s insane.”

Though you were intent on maintaining distance from the prisoner, you couldn’t help but ask. It surely was easy to talk to the guy, you had to give him that. “You felt that, too?”

“Felt what?”

“Deja vu,” you clarified. Negan watched as you stood up to approach his cell. “Like it happened before.”

“Is it just me, or are we literally doing some batshit telepathy right now?” Negan jokes. “Makes me think it’s a soulmate thing.”

“It’s not a soulmate thing.” You wrap your fingers around a bar of his cell, contemplating where you might have had that conversation. The first time you met Negan, you felt as if his voice was familiar. 

You searched the deepest crevices of your mind, trying to recall a time in your life when you might have possibly met the prisoner. One look at him and you knew he was doing the same.

Nothing came to mind. 

“Fine.”

“Fine.”

Except for one. Holy shit. He wasn’t sure, but a part of him felt like it was yanking something out from a library in his mind.

He set it aside for now. He wanted to talk to you first, properly. “[Y/N], this is gonna be a strange request but… Could you come in?”

“What?” you ask, snapping out from your focus. “Why would I do that?”

“Just get in the damn cell.”

“How do I know you won’t trick me just so you could slip out?”

His face screwed up into a frown. “Because I’m not even gonna try. I came back; I chose to. Because of you.”

“What?” you ask again, lost more than ever. It felt wrong that you were expecting something. This was Negan.

The same Negan who…

You shook your head. And you don’t know what force of nature propelled you to be stupid, but you oblige with his request. You sat down next to him on his cot in his cell.

Your backs were to the wall. It felt comfortable somehow. You eyed the stack of books he’d sped through reading whenever he was alone.

Negan set the plate of canned tuna aside, putting his hands on his lap. “You know why I came back?”

“Because you’re an idiot?”

The prisoner laughed, and an unsaid guilt clawed at you from the back of your mind, saying whatever this was… It was wrong. But with Negan, you never felt like you were alone. Which is why it sucked when he left.

“No, stupid. Because there was nothing for me out there.”

“What makes you think there’s something for you here?”

He looked at you this time, his eyes free of the malice you were used to seeing constantly present. “You.”

You had to scoff. “Me?”

“Yeah, you.” He thought back to all the times you’d sat right next to him with bars separating the two of you. How he’d never felt so welcomed except for in your presence. 

How he waited for you to visit him. How he was constantly excited for the next time you’d come. How he’d get frustrated whenever it was someone else who’d open the door.

“Thought I was done for,” he confessed. “Until you came and I… I told myself I’d make amends with you out of respect for your brother and your nephew, bless their souls. Then you started visiting me by routine. I knew it was your job, but I never felt like I was behind bars whenever I was with you.”

You didn’t know what to say. 

“It means I like you, if you didn’t get that.” He nudged your elbow, looking at you as if he were already expecting you to turn him down. “I just wanted to tell you so you’d understand.”

“I like you, too,” you blurted out.

This time, Negan was the one who couldn’t seem to find the right words to say, much less at least even any words at all. 

“Rick dying like that… It changed me. Changed everyone, really. Nothing was ever the same and I couldn’t do anything about it. I felt alone, and I’m grateful you were there when I grieved. It just… Feels wrong to feel this way about you.”

Negan nodded. “I get it.”

You felt his hand on top of yours, rubbing it. He didn’t even realize he’d done it, but he left your hand alone when he noticed he did. You wish he didn’t. 

But you had to be brave. Shamelessly, you grabbed his hand in yours, lacing your fingers with his. Negan let you. “You suck at this game, asshole.”

And the two of you froze. He knew where he knew you from, and so did you.

“Ho-ly shit,” Negan started. “Are you GorgeousArsenal777?”

It all made sense now. Holy shit, indeed. “You’re SaviorNutsack69?”

︵‿︵‿︵‿︵‿︵‿︵‿︵

Way before the apocalypse, Negan had made it his personal mission to destroy every single child XBOX Games. First was Gears of War. 

But he decided he wanted more than just a game with a co-op campaign mode. He needed to obliterate opponents in a ranked multiplayer combat game. It wasn’t that he hated them, he just needed a win…

He found a guaranteed win when he matched with MrPuddingCyborg. It was an easy win, really. It was very clear that whoever was behind that avatar was a newbie, thus it was easy for Negan to rank up.

“Fuckin’ loser,” he said, turning on his mic. “I bet you picked that username ‘cause you thought it was cool, didn’t you! It isn’t!” 

“Your technique sucks!” a little boy on the other end said, furious.

“Pants pisser,” Negan said one last time before beginning the game. “Are you shittin’ your pants now? What’re you gonna do, tell your mom?”

The growling on the other end stopped, meaning the kid turned off his mic. Negan scoffed, sensing victory from miles away. “What a fucking crybaby.”

Looking for the same benefits of winning, he requested a rematch. MrPuddingCyborg accepted. Negan leaned back, knowing it was gonna be a cake walk when—

You were killed by MrPuddingCyborg.

What?

Negan’s avatar respawned, but his tactic was used against him.

You were killed by MrPuddingCyborg.

You were killed by MrPuddingCyborg.

You were killed by MrPuddingCyborg.

It went on like that for a while until the two words he most dreaded to find on the screen flashed before him: GAME OVER.

Game over? No way. 

Negan ended their match, frustrated to find that his failure jeopardized his progress in getting up to a higher rank. 

Affected by his loss, Negan kept playing with two different players before finally getting to the third player.

Negan grinned to himself, gripping his controller with the drive to defeat everyone, but for now, GorgeousArsenal777 would be the one to get the heat.

To his delight, he got the first win. He exclaimed with a mischievous laugh. “Haha! One for Virginia!”

But that was just it.

Negan watched in horror as the player obliterated him in every round. He could already imagine his rank getting lower and lower…

He turned on his microphone. “The fuck’s that about? Are you trolling me right now?”

“Troll you for what? Coins you don’t have?,” taunted a girl on the other end as they waited for the intermission time to finish so they could leave the lobby and play another round. “Checked your account, saw you’ve been here for half a year and you’re still in a mid-tier rank. News flash, you suck at this game, asshole.”

“Game on, Gorgeous.”

“Suck my nutsack,” said the voice on the other end. Somewhere almost ten hours away south of Virginia, you clutched your nephew’s controller with a burning desire to destroy the gaming career of this fucker who pissed off your nephew. 

Negan watched in poorly disguised horror as the words notified him of his losses on the screen.

You were killed by GorgeousArsenal777.

You were killed by GorgeousArsenal777.

You were killed by GorgeousArsenal777.

“Listen here, Gorgeous,” he started. Whatever relaxation Negan had was gone. He leaned forward, resting his elbows on his thighs, concentrating more than ever. “I am gonna make you regret that you ever got a console.”

You snorted. “I’d like to see you try.”

Negan was dead serious. “Fine.”

“Fine,” you fired back. And just in time, you sent a bomb his way, killing him for another time.

You killed SaviorNutsack69.

While you waited for the next round in the lobby, you and your nephew watched as SaviorNutsack69 approached your avatar. The two of you couldn’t help but snicker as he did.

His mic turned on again. “You’re a cheat.”

You resisted calling him a virgin seeing that he came from Virginia, acknowledging the presence of your eleven year old nephew sitting right behind you with his legs crossed, giggling.

“I could’ve beaten this guy,” Carl said with a laugh.

“I know, pumpkin.” You gave the kid a warm smile before turning back to the screen, eager to destroy this man further. “But guys like SaviorNutsack69 deserve to be obliterated.”

You turned your mic back on. “Not my fault you suck. Look at your avatar, dipshit.”

You and Carl snickered on your end, giggling.

The guy on the other end laughed mirthlessly. “I do not appreciate you talking ass about my Limited Edition skin.”

“Sorry you’re not more appreciative,” you quipped, resisting the urge to laugh out loud. “And sorry you can’t rock a leather jacket like I can.”

Negan hated leather jackets, thought it was too hot. He preferred those loose zip-up hoodies. But was not gonna tell GorgeousArsenal777 on the off chance that she uses it as substance to say he just couldn’t pull it off.

“I can so rock a leather jacket, shitface.” 

“Oh, yeah?”

“Oh, yeah.” And then he left the lobby before the game could start. You and your nephew burst out laughing at the thought of the dude getting a leather jacket.

He was nothing to the two of you three minutes later, because you let Carl play with his account after that. But SaviorNutsack69? He was not the type to back down from a fight even long after it had ended.

700 miles from Georgia, SaviorNutsack69 got up from his chair and drove to the mall. He ran into the edgiest store he could find with purpose and unapologetically purchased the coolest leather jacket he could find.

And the rest is history.

︵‿︵‿︵‿︵‿︵‿︵‿︵

The two of you sat there in silence, the thought of having met before all of this…

It was refreshing—the prospect of destiny. Or maybe it was just a coincidence. Either way, it made you an ounce closer to him. 

He grinned. Negan thought back to the leather jacket he abandoned before returning. “Hey, you’re the genius behind my look.”

“Guess I am,” you mused.

Your shoulder brushed against his, and you could have sworn there was electricity there somewhere.

“Feels like a rocky start to a love story, huh?” he asked, looking at you expectantly.

“You think this is a love story?” you asked him nervously.

Negan thought about it for a second, grinning. “I don’t know, do you?”

“Well,” you started. You paused before standing up and leaving his cell. Before leaving, you looked back at him with a smile. “We’ll see.”

“See what?” Negan stood up, holding the bars of his cell only to realize that it wasn’t locked.

“If you’re as bad on garden duty as you are on Call of Duty,” you taunted him with the same spirit you had from all those years ago. “Maybe then I’ll consider if it’s a love story.”

And that was it. You liked Negan, but that was just the beginning of a whole new story. You just knew you were lucky enough to have gotten the chance to meet again.

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