EXHIBIT  10.3
                              PROMISSORY  NOTE

$200,000                  Ft.  Lauderdale,  Florida               July  2,  2002

FOR  VALUE  RECEIVED  the  undersigned,  promises  to  pay  to  the  order  THE
INTERNET  ADVISORY  CORPORATION,  a  Utah  corporation,  the  sum of Two Hundred
Thousand  and  00/1  00 ($200,000.00), all payable in lawful money of the United
States  of  America,  as  follows:

Twenty-four  (24)  payments  as  follows:

1.   Payment  No.  1,  July  1,  2002  (received  by  Internet)

2.   Payments 2 and 3 in the amount of $6,500.00, each payable on or before July
     20,  2002,  and  August  20,  2002.

3.   Three payments of $7,500.00 payable on September 20, 2002, October 20, 2002
     and  November  20,  2002.

4.   Eighteen  (18)  payments  of  $8,820.00  payable  on December 20, 2002, and
     continuously each month thereafter on the 20th of each month through May
     20, 2004.

All  payments  shall apply first to accrued interest, and the remainder, if any,
to  reduction  of  the principal. If any installment of principal or interest is
not  paid  when  due,  or  upon  any  default  in  the performance of any of the
covenants  or  agreements  of  this  note, or of any instrument now or hereafter
evidencing or securing this note or the obligation represented hereby, the whole
indebtedness  (including  principal and interest) remaining unpaid, shall at the
option  of  the  holder, become immediately due, payable and collectible. In the
event  that  any  monthly  installment is not paid within five (5) days from due
date,  said  sum  shall  bear  interest  at  18%  per  annum.

Each maker and endorser jointly and severally waives demand, protest, and notice
of  maturity,  nonpayment or protest and all requirements necessary to hold each
of  them  liable  as  maker  and endorser. The terms and conditions of this Note
shall  be  binding on the heirs and beneficiaries of the estate of the maker and
endorser.  Each endorser further agrees, jointly and severally, to pay all costs
of collection, including reasonable attorney fees, in case the principal of this
note  or  any  payment  on  the principal or interest thereon is not paid at the
respective  maturity  thereof,  or  in  case it becomes necessary to protect the
security  hereof,  whether  suit  may  be  brought  or  not.

                                              /s/  Lonnie  Divine
Payable  at:                                  __________________________
The  Internet  Advisory  Corporation          WORLDWIDE  CONNECT
150  East  58  Street                         1470-N.W.  107th  Avenue
New  York,  New  York  10022                  Suite  H,  Miami,  Florida  33143

                                              /s/  Lonnie  Divine
                                              ________________________
                                              LONNIE  DIVINE
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