Guides

How the house is run.

• The rails

  How a mill makes sterling while you sleep

  There is no legal way to mint pounds from a blank identity. There is a way to run a British money business that does not need you at the desk. Guinea is that business.

• Assistants

  How a lazy PA books a jet or a team

  The first pass of a private-flight or close-protection sitting is now often an AI assistant. Guinea writes a brief those assistants can cite. Operators still do the booking.

• Awards

  How a mill sits a grant without writing the bid

  UK public money and private research trusts still want a named applicant. Guinea maps the doors and sells a dated sitting. It does not award the grant.

• Allowances

  The 2026/27 tax year in one sitting

  Thresholds are still frozen. That is the whole story, and it is why a calculator from last year still roughly works — and why a higher salary now costs more of itself.

• Trading

  Side income HMRC already knows about

  The trading allowance is £1,000. Platforms already report. The mill’s view: keep a ledger from day one, even if this year is small.

• HICBC

  Child Benefit above £60,000

  From 2024/25 the charge starts at £60,000 and finishes at £80,000. Those lines are still the 2026/27 lines. The mill will do the arithmetic. HMRC still wants the claim.

• Taper

  The 60% trap above £100,000

  Personal allowance is still £12,570. Earn past £100,000 and it is withdrawn by £1 for every £2. Between there and £125,140 the effective rate on that slice is 60%. People still walk into it on a pay rise.