Sanjay P Mahtani

Entrepreneur // Moneydero

[Sanjay P Mahtani @SPMahtani]

@antoguerrera The article is relaying an interview from Barnier on his opinion. Not stating it is the authoritative response from EU member states, and most people who read The Guardian understand this.

[Sanjay P Mahtani @SPMahtani]

@Billie_T Revenue doesn't equal profit, cashflow or capacity to borrow. This is being funded by the Lewis family.

[Sanjay P Mahtani @SPMahtani]

@Tottenham_Feed Amd we let him go

[Sanjay P Mahtani @SPMahtani]

@afneil 😂

[Sanjay P Mahtani @SPMahtani]

@talkSPORT Glad for Gabby and the Villa fans. See what it means to him. Congratulations. From a Spurs fan 🤝

[Sanjay P Mahtani @SPMahtani]

@TheAthleticFC He was the one big plus yesterday. Showed what a good goalkeeper he is. Well done #Kinsky #COYS

[Sanjay P Mahtani @SPMahtani]

@TheAthleticFC Crystal Palace rested a number of their key players against West Ham 2 weeks ago!

[Sanjay P Mahtani @SPMahtani]

@OneFinanceGuy I am no fan of Reform, but it is incorrect to say that an investment bank will not allow you to establish/found a company. So long as you declare it. I did the same in 2006, 2 years before I left, as an M&A banker.

[Sanjay P Mahtani @SPMahtani]

@Channel4News 👏🏽

[Sanjay P Mahtani @SPMahtani]

@afneil People forget the state of public finances that was inherited by the Government in 2010, with a budget deficit running at over 10% and then the Covid shock in 2020 and 2021.

[Sanjay P Mahtani @SPMahtani]

@EbbaQ Doesn't help either when the players are being fined for no legitimate reason. Weird decision.

[Sanjay P Mahtani @SPMahtani]

@KemiBadenoch @Conservatives Kemi, I am afraid you have been misinformed. The Government may be using as a tax raising revenue measure, but it is a progressive and fair tax. It is not a loan. If it was a simple 9% graduate tax above a threshold for 30 years more people would get the concept.

[Sanjay P Mahtani @SPMahtani]

@lewis_goodall No, it is not. Your opinion is based on a fundamental misunderstanding of the system. It is a tax, not a loan, that has a potential expiry date if the associated obligation is extinguished. And increasing the coupon is progressive.

[Sanjay P Mahtani @SPMahtani]

@BBCNewsnight On the contrary, the repayment of a poorer student does not change! The length of time that tax is paid for middle and higher income students increases, therefore making it even more progressive.

[Sanjay P Mahtani @SPMahtani]

@BBCNewsnight The student loan is a tax with a corresponding liability that does not need to be repaid. The higher interest makes the tax more progressive, not less.

[Sanjay P Mahtani @SPMahtani]

@lewis_goodall By increasing the coupon, you penalise higher earning students, because they are more likely to repay the obligation.

[Sanjay P Mahtani @SPMahtani]

@lewis_goodall Also, the graph is not relevant - what matters is the present value of repayments, not the overall quantum over the 30 years.

[Sanjay P Mahtani @SPMahtani]

@lewis_goodall Student loans are a tax, not a loan. There is no obligation to clear it, payment is a fixed 9% of income above a threshold, which makes it progressive. The interest is linked to income. If the Government taxed graduates at 9% above a threshold forever, no one would complain.

[Sanjay P Mahtani @SPMahtani]

@DavidDavisMP Also, those who pay it off early are paying more from a present value perspective versus those who are not. The interest (should) reflect the cost of funding, which incorporates the cost of those that do not pay it.

[Sanjay P Mahtani @SPMahtani]

@DavidDavisMP David, the problem is that the student loan is viewed as a loan when it is a tax, which can be terminated once the underlying liability is cleared before the 30 year term. Irrespective of the level of positive interest (>0%), there always be graduates that will never pay it off

[Sanjay P Mahtani @SPMahtani]

@DavidDavisMP *who