It’s easy to trust a company to pick out an IB English tutors Hong Kong for you. But, your assigned teacher might not have the personality or teaching style suitable to help you learn. You can pick a good and qualified English tutor from these six top English-speaking countries.

United States

America has always spoken English and modified it for easier pronunciation and spelling in the last few centuries after breaking away from Britain. British and American English are different, but most countries use American English, making a tutor from this country valuable and the most expensive.

Britain

The English people created the language and honed it for decades. However, many of British English’s rules differ from widely-accepted American English. Still, if you find an American English-aligned tutor in Britain and the United Kingdom, they are excellent teachers.

Europe

Many European countries and tutors can switch between their native language and English. Top countries in the EU to pick out a tutor include Latvia, Lithuania, Germany, Spain, and Portugal.

Philippines

The Philippines has one of Asia’s highest populations of English-speaking people who can switch between their native language and English. Many of the world’s best tutors are in this country – and they cost significantly less than tutors you can source from the west.

India

Aside from the Philippines, India also has a huge population of English teachers. While they may not fare better in pronunciation and diction than Philippine tutors, Indian tutors are excellent alternatives for learning English grammatical rules, syntax, and beyond.

Nigeria

Population-wise, Nigeria has a high population of English speakers, but they also suffer from India’s poor diction and pronunciation. They’re significantly the most affordable and accessible tutors in the world today. Still, the lack of English tutor standardization in the country may leave students with a tutor with moderate to poor teaching skills.

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When you need a bail bond agent or go with a bail bonding company, the bondsman will pay a fee that helps a defendant be released from jail. The fee is typically 10 percent of the court-required amount. Therefore, if you need to pay $100,000 in bail, the 10 percent amount is $10,000.

This is a non-refundable fee, even if the case is thrown out of court.

The bail places a security against the defendant’s assets – be it their home, vehicle, etc. – that covers the bail. Should a person not have any assets or enough assets to cover the security, the bondsman will take out securities against any person who is willing to help (family or friends).  Again, the bondsman will need a 10 percent cash payment along with a mortgage on property that meets the full bail bond amount.

If a defendant fails to show up in court on the day of their trial, the bondsman can ask a bounty hunter to find the defendant and sue the defendant for the money the bail bondsman put up to the court for bail.  

The bail bondsman or bail bond company may recoup their loss by claiming the assets the defendant or the helpful individual(s) put up to help the defendant out.

If the defendant appears at their scheduled court date, the bail bond is resolved, and all collateral is returned to the person who put it up. The 10 percent cash fee is kept by the bail bondsman or company.

The bail bond industry is a complicated one which is why you need to seek the help of a professional bail bondsman.

Private Residential Mortgage

I have come across many note sellers that ignore the advice of being prepared. Properly structuring a note for resale can be the difference between selling the note fast and with little friction as opposed to selling yourself short or worse, not selling the note at all. In order to properly structure a mortgage note for resale is as follows:

1) Get the biggest down payment possible. 25% is the Note Buyer’s ideal amount in a perfect world although, you can definitely get away with 15% – 20% if need be. Anything under 15% equity becomes very risky for a Note Investor. In the case of a down payment under 14% equity, you will have a very tough time getting a high bid on that note. Anything under 10% down, will unlikely sell at all.  Housing Market!

2) Make sure you (the seller), pull credit on the potential borrower. 600 FICO score – 700 FICO score would be ideal. Remember; the worse the credit score is, the bigger the down payment you should require! Make sure you keep a copy of the credit report so you may present to the mortgage note investor underwriting the transaction. As far as credit scores, 650 or higher is considered great to excellent credit. 610-649 is good, 609-590 is fair 589-500 is poor and below 500 – don’t even bother. Also try to gather D.T.I. or Debt to Income information from the borrower as well. How much money she/he has coming in per month verses what dollar amount is going out per month. A standard credit report will show you what the borrowers monthly bills are. All you need to do after that is get an accurate dollar amount of what the borrower truly makes after taxes. This way there will be no surprises for you or the Note Investor and this will insure you the highest bids out there! 45% is the max D.T.I. ratio you should allow. This means, if the borrower’s income is $5,000.00 per month, 45% DTI ratio would be $2,250.00 (5,000 x 0.45 = 2,250.00) in debt per month. The borrower only owes 45% of what they make to monthly debt.  Housing Market!

3) It helps tremendously if the seller orders and completes an appraisal before submitting the note to a Note Buyer. The reason being, presenting an exact legal appraisal to a Note Investor allows for a more accurate bid, thus a hassle free transaction. This way when the note is underwritten, there will be no surprises on the collateral property whatsoever. This step is not necessary although, by doing this your are drastically increasing your chances of a very smooth note sale.

4) Include a high interest rate with the shortest term possible. Meaning, be sure that your borrower can afford the payments at the shortest term she/he can legitimately agree to.

5) Try to keep the loan under a 10-15 year payback date. Anything over 12 years usually takes a much steeper discount then say a 10 balloon. The Note Investor generally likes to be out of an investment in 5-10 years. Ideally, if your borrower situation permits, 5-10 is the first choice. 

6) Include a prepayment penalty based on your states regulations and laws.  Go Now!

Please keep in mind; the above information is just a guide. If you have any legal questions about mortgage origination laws in your state, please consult a licensed mortgage broker/banker (in your state) or an attorney. Always be prepared!
Knowing this info before hand is the difference between a smooth transaction and a complete nightmare! Good Luck!