New Stock Profiled: (WAIV) Target Price $.25

 SPECIAL ALERT
   G]&n=3D bsp;           &nb=3D sp;         Feb. 2003 Edition  - Featuri=
ng CNN
Money and Reuters Each month Wall Street Monthly analysts study, rese=3D =
arch,
and examine hundreds of NASDAQ stocks, in an e=3D ffort to pinpoint the o=
ne
with the most promise.=20

This month's =3D pick : World Associates Inc.=20

Symbol: WAIV=3D [1]

Current Price: $0.11 +15.45%=3D=20

Opinion: Strong Buy Recent News: [IMG][2]

Even in a down market - The Real Estate sector=3D continues to perform
andits stocks stay strong. More.....[4]=20

[IMG][5]  The Housing Market is Red Hot ! Construction spe=3D nding rose =
0.3%
in November, helped by record acti=3D vity in the red-hot housing market,=
 the
governmen=3D t reported! .    More.....[6]=20

[IMG][7]  The median price of new and existing homes sol=3D d in San
BernardinoCounty during November skyr=3D ocketed 18.2 percent from a year
earlier. &nb=3D sp;  More.....[8]=20

[IMG][9]The results are in. Last year was another record=3D -setting year=
 for
real estate thanks to an economy wi=3D th low interest rates.    More....=
.=20

 Highlights of Current and Future Success:=20

 -=3D Recently acquired more than $10 M in real estate asse=3D ts=20

 - Projected sales =3D of $100,000,000 over four years=20

 - More than $5M in=3D earnings projected for each of 2003 and 2004=20

 -  Real estat=3D e may provide assets that allow for a listing on a=3D m=
ajor
exchange=20

 - Incorporating en=3D vironmentally friendly and sustainable technologie=
s=20

WAIV Aims High, Determined To Succeed:=20

World is extending the real estate concept of "h=3D ighest and best use" =
to
include quality of lif=3D e considerations. A "higher and better" use for
real=3Dproperty is to find the very most profitable use that=3D also prov=
ides a
beneficial impact to the communit=3D y and environment. World believes th=
at
this approa=3D ch will be a key to successful real property de=3D velopme=
nt in
the future. A Closer Look: World Associates, Inc. (World) was founded
in1990 a=3D nd it has evolved into a fully integrated ! real =3D estate
enterprise. World is combining access to the c=3D apital markets, a compe=
tency
with Internet technology=3D , a portfolio of sustainable technologies, an=
d
the=3Dinherent strength of real estate as a means of creating=3D sharehol=
der
value. Early in 2002 World acquired more than =3D $10 million in real est=
ate
assets. The company is =3D negotiating other joint venture opportunities =
and
alliance=3D s, and it will continue to expand it's growing po=3D rtfolio =
of
assets to develop.=20

Objective:=20

The company=3DFFFFFF92s immediate objective =3D is to execute a plan of
development for it's current asset=3D s that include more than 300 acres =
of
property valu=3D ed at more than $10,000,000. When fully develop=3D ed, t=
he
property will support more than 700 home=3D s representing more than
$100,000,000 in total sales over t=3D he next four years. The company wil=
l
continue t=3D o add to the assets it owns, focusing on land deve=3D lopme=
nt,
affordable! housing, 55+ housing, and infill=3D housing.=20

Points to Consider[10]:[10]=3D [IMG]
  * Recently acquired more than $10 M in re=3D al estate assets=20

  * Affordable housing will always be in de=3D mand=20

  * More than $5M in earnings projected for=3D each of 2003 and 2004=20

  * This is an early=3D stage opportunity with good upside=3D potential=20

  * Real estate may provide assets that all=3D ow for a listing on a majo=
r
exchange=20


Conclusion:=20

Real estate is the traditional hard asset =3D and it is the foundation of
WorldAssociates, In=3D c. The strength and potential for growth embodi=3D=
 ed by
the current real estate market, dictates =3D that this sector be in the
spotlight for creating=3D value.=20

The Savvy Investor chooses its first pick =3D of the New Year - World
Associates Inc. (WAIV).=3D With their strategic positioning and acquisiti=
ons=3D
WAIV is sure to move to the forefront of the sect=3D or. In an unstable m=
arket
- its a necessity to a=3D dd strong stocks to your portfolio.=20

This has been the February Edition of The =3D Savvy Investor Newsletter.=20

Editing Chairman=20

Join our premiere update and g=3D et a sneak preview of upcoming reports.
Disclaim=3D er:=20

The=3D Savvy Investor Newsletter provides in=3D formation on selected com=
panies
that it believes has investment pote=3D ntial. The&=3D nbsp; Savvy Invest=
or
Newsletter is not a re=3D gistered investment advisor or broker - dealer.=
 This
report is prov=3D ided as an information service only, and the statements=
 and
opi=3D nions in this report should not be construed as an offer or soli=3D
citation to buy or sell any security. Savvy Investor Newsletter accepts n=
o
liabi=3D lity for any loss arising from an investors reliance on or use =3D=
 of
this report. An investment in WAIV is considered to be hig=3D hly specula=
tive
and should not be considered unless a person c=3D an afford a complete lo=
ss of
investment. The Savvy Investor Newsletter  has =3D been retained to distr=
ibute
this report on WAIV and has been pa=3D id fifteen hundred dollars by a th=
ird
party. This report invo=3D lves forward looking statements, which involve
risk,and uncert=3D ainties that may cause actual results to differ materi=
ally
from th=3D ose set forth in the forward - looking statements. For further=
=3D
details concerning these risks and uncertainties, see the SEC fili=3D ngs=
 of
WAIV including the company's most recent annual and quarterly reports[11]=
.
Ifyou feel that this service is no longer of benefit to you, and you do=3D=
 not
want to be notified along with the investors on this list, p=3D lease  CL=
ICK
HERE[12] NOTE: By blocking your=3D email address from the recipients you =
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no longer receive your =3D FREE company advisory nor your FREE company up=
date
in the Future.=3D=20

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