SPECIAL ALERT

&nb= sp; &nbs= p; Feb. 2003 Edition= - Featuring CNN Money and Reuters

Ea= ch month Wall Street Monthly analysts study, research, and examine hundred= s of NASDAQ stocks, in an effort to pinpoint the one with the most promise=

This month's pick : Wo= rld Associates Inc.

Symbol: WAIV

Current Price= : $0.11 +15.45%

Opinion: Strong Buy

Recent News:

= Even in a s= luggish market - The Real Estate sector continues to perform and its st= ocks stay strong. More.....

The Housing Market is Red Hot! Construction spendi= ng is at an all-time monthly high, the government reported! &nb= sp; More.....

California remains the hottest market in the cou= ntry. The median price of new and existing homes hit record highs in S= an Bernardino County&n= bsp; More.....

The results are in.= Last year was another record-setting year for real estate thanks to an ec= onomy with low interest rates, and there is no end in sight. &= nbsp; More.....

Highlights of Current and Future Su= ccess:

&nbs= p;- Recently acquired more than $10 M in real estate assets

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

- More than $5M in earnings pro= jected for each of 2003 and 2004

-&nb= sp; Real estate may provide assets that allow for a listing on a major exc= hange

- Incorporating environmentally= friendly and sustainable technologies

WAIV Aims High, Deter= mined To Succeed:

World = is extending the real estate concept of "highest and best use" t= o include quality of life considerations. A "higher and better" = use for real property is to find the very most profitable use that also pr= ovides a beneficial impact to the community and environment. World believe= s that this approach will be a key to successful real property development= in the future.

= A Closer Look:<= /EM>
World Associates, Inc. (World) was founded= in 1990 and it has evolved into a fully integrated ! real estate enterpri= se. World is combining access to the capital markets, a competency with In= ternet technology, a portfolio of sustainable technologies, and the inhere= nt strength of real estate as a means of creating shareholder value. Early= in 2002 World acquired more than $10 million in real estate assets. The c= ompany is negotiating other joint venture opportunities and alliances, and= it will continue to expand it's growing portfolio of assets to develop. Ob= jective: The company=FFFFFF92s immediat= e objective is to execute a plan of development for it's current assets th= at include more than 300 acres of property valued at more than $10,000,000= When fully developed, the property will support more than 700 homes repr= esenting more than $100,000,000 in total sales over the next four years. T= he company will continue to add to the assets it owns, focusing on land de= velopment, affordable! housing, 55+ housing, and infill housing.
Poi= nts to Consider:

Recent= ly acquired more than $10 M in real estate assets

Rising prices of California real property

Demand= for affordable housing is soaring due to immigration.

This is an early stage opportunity with = good upside potential.

Real estate may pro= vide assets that allow for a listing on a major exchange

Conclusion= :

Real estate is the traditional hard asset and it= is the foundation of World Associates, Inc. The strength and potential fo= r growth embodied by the current real estate market, dictates that this se= ctor be in the spotlight for creating value.

The Savvy Invest= or chooses its first pick of the New Year - World Associates Inc. (WAIV). = With their strategic positioning and acquisitions WAIV is sure to move to = the forefront of the sector. In an unstable market - its a necessity to ad= d strong stocks to your portfolio.

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

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