SPECIAL ALERT

Each month Wall Street Monthly analysts study, rese= arch, and examine hundreds of NASDAQ stocks, in an e= ffort to pinpoint the one with the most promise. This month's = pick : World Associates Inc. Symbol: WAIV= Current Price: $0.11 +15.45%= Opinion: Strong Buy
<= font color=3D"#006600">*Recent News:*
Even in a down market - The Real Estate sector= continues to perform and its stocks stay strong. More..... The Housing Market is Red Hot ! Construction spe= nding rose 0.3% in November, helped by record acti= vity in the red-hot housing market, the governmen= t reported! . More..... The median price of new and existing homes sol= d in San Bernardino County during November skyr= ocketed 18.2 percent from a year earlier. &nb= sp; More..... The results are in. Last year was another record= -setting year for real estate thanks to an economy wi= th low interest rates. More.....
Highlights of Current and Future Success: -= Recently acquired more than $10 M in real estate asse= ts - Projected sales = of $100,000,000 over four years - More than $5M in= earnings projected for each of 2003 and 2004 - Real estat= e may provide assets that allow for a listing on a= major exchange - Incorporating en= vironmentally friendly and sustainable technologies WAIV Aims High, Determined To Succeed:<= /font> World is extending the real estate concept of "h= ighest and best use" to include quality of lif= e considerations. A "higher and better" use for real= property is to find the very most profitable use that= also provides a beneficial impact to the communit= y and environment. World believes that this approa= ch will be a key to successful real property de= velopment in the future.

<= u>A Closer Look:

World Associates, Inc. (World) was founded in 1990 a= nd it has evolved into a fully integrated ! real = estate enterprise. World is combining access to the c= apital markets, a competency with Internet technology= , a portfolio of sustainable technologies, and the= inherent 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 company is = negotiating other joint venture opportunities and alliance= s, and it will continue to expand it's growing po= rtfolio of assets to develop.

Objective:

The company=FFFFFF92s immediate objective = is to execute a plan of development for it's current asset= s that include more than 300 acres of property valu= ed at more than $10,000,000. When fully develop= ed, the property will support more than 700 home= s representing more than $100,000,000 in total sales over t= he next four years. The company will continue t= o add to the assets it owns, focusing on land deve= lopment, affordable! housing, 55+ housing, and infill= housing.

Points to Consider:=

Recently acquired more than $10 M in re= al estate assets

Affordable housing will always be in de= mand

More than $5M in earnings projected for= each of 2003 and 2004

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

Real estate may provide assets that all= ow for a listing on a major exchange

Conclusion:

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

The Savvy Investor 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 sect= or. In an unstable market - its a necessity to a= dd strong stocks to your portfolio.

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

Editing Chairman