Horance
Location: Island immediately north of Skara Brae
Directions: Follow the western road (King's Highway west?). Thou canst actually read the road signs for directions to Skara Brae. If thou encountereth cats and rabbits along the way, then it is the right direction. Continue following the road west, which turns a little south. Thou wilt be able to walk onto the island of Skara Brae. Head to the northern-most part of Skara Brae, where the pier is. Take a skiff to the island just north of it. There will be bats attacking thee. Horance's house is on the island. Please return the skiff to the main island's pier when thou art finished, out of courtesy to other travelers.
Nicodemus
Location: In the forest area Southwest of Yew
Directions: the best way is to head there from the city of Britain. Go through the North Britain mountain pass. It is where the two swashbucklers spawn and a guard usually goes up there to attack them. Continue north thru the mountain pass into the forest. There will be some more mountains just to the right (east) of thee. North of thee will be wisps, and gremlins will attack thee and thine companions. A little more north and thou wilt see a house with a magically locked door. Thou canst peek through the window to speak to Nicodemus. The total walk should be approximately a minute.
Rudyom
Location: Cove
Directions: Go east of the city of Britain, following the path. Thou wilt reach the Shrine of Compassion (beware of the gargoyles!) East of the Shrine (not Northeast) is Cove. Rudyom's house can't be missed (Northeast of Cove). Beware of his pet drake (wear a storm cloak!)
Xiao
Location: North Lycaeum
Directions: Lycaeum is on the same island as Moonglow, which is the eastern-most island city in the world (and a little north). Head to the island (sail thy ship east from Britain, and a little north) of Moonglow and go to the Northwest-most part of the island by following the northbound road on the western part of the island. Thou wilt be first greeted by swamps and two snakes as thee and thine companions approach, then be met by a stone lion in front of her house.