Exhibit 10.24

                             DEMAND PROMISSORY NOTE

                                                                     May 1, 2000
                                                                      US$100,000

         INVU, Inc.("Borrower"), a Colorado corporation with a place of business
at The Beren, Blisworth Hill Farm, Stoke Rd., Blisworth,  Northhampton, NN7 3DB,
United Kingdom,  for value received,  hereby promises to pay to the order of GEM
Advisors, Inc. ("Lender"),  with its registered address at 712 Fifth Avenue, 7th
Floor, New York, NY 10019, or Lender's assigns, or at any other place the holder
hereof   designates,   the  principal  sum  of  One  Hundred   Thousand  Dollars
(US$100,000)  in lawful money of the United States of America on demand,  and to
pay interest accrued thereon in like money upon maturity on the unpaid principal
balance  hereof at a rate of three  percent  (3%) per annum,  calculated  on the
basis of a 365 day year and actual days elapsed. Payments shall be first applied
towards  outstanding  interest,  and then  towards  reduction of  principal.  If
payment is not made upon demand in  accordance  with this note,  interest  shall
accrue at the rate of  fifteen  percent  (15%) per annum from the date of demand
through and including the date of payment.  In addition,  if payment is not made
upon demand in  accordance  with this Note,  the holder of this Note may convert
any or all of the unpaid  principal  amount of the note and  accrued  but unpaid
interest, at any timer, and from time to time, for shares of common stock of the
Borrower,  at the  conversion  ratio of (X) the lower of US$3.00 or one  hundred
twenty-five  percent  (125%) of the average Per Share  Market Value for the five
(5) Trading Days  immediately  prior to the date demand for payment of this Note
is made (the "Fixed Conversion  Price") or (Y) seventy five percent (75%) of the
average of the three (3) lowest Per Share Market Value prices  during the thirty
(30) day period immediately  preceding the Conversion Date ("Floating Conversion
Price").  Capitalized  terms used herein not otherwise defined herein shall have
the same meaning as ascribed to such terms in the Form of  Debenture  annexed to
the  Convertible  Debenture  Purchase  Agreement dated May 1, 2000 entered into,
among  others,  Borrower.  Terms of  conversion as set forth in Section 4 of the
Form of Debenture shall also apply to the conversion of this Note.

         This Note may be pre-paid at any time without penalty.  Borrower by its
execution  below  (i)  waives  diligence,  demand  of  presentment,   notice  of
nonpayment  and  protest,  and  assents to  extensions  of the time of  payment,
surrender or  substitution  of security (if any), or other  indulgence,  without
notice,  (ii) represents and warrants that this instrument has been executed and
delivered by a duly authorized  officer of the Borrower and shall constitute the
legal, valid, binding and enforceable  obligation of the Borrower,  (iii) hereby
consents to the  jurisdiction  of any  federal  and state  court  located in the
Borough of Manhattan,  New York,  and waives any defenses it may have based upon
improper venue and forum non conveniens,  and (iv) agrees to pay reasonable fees
of  legal  counsel,  and  disbursements  thereof,  incurred  by  Lender  in  any
collection or enforcement proceeding relating hereto.

                                             INVU, INC.

                                             By:________________________________
                                                David Morgan
                                                President