UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-QSB

[X]  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES ACT OF 1934

                  For the quarterly period ended June 30, 2003

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES ACT OF 1934

       For the transition period from _______________ to _________________

                                    000-29743
                             ----------------------
                            (Commission file number)

                         HOME SERVICES INTERNATIONAL INC
                         -------------------------------
        (Exact name of small business issuer as specified in its charter)

            Nevada                                             88-0409143
--------------------------------------------------------------------------------
 (State or other jurisdiction                                 (IRS Employer
of incorporation or organization)                           Identification No.)

      7373 E. DOUBLE TREE RANCH ROAD, SUITE 200, SCOTTSDALE, ARIZONA 85258
      --------------------------------------------------------------------
               (Address of principal executive offices) (Zip Code)

                                  866-864-6638
                                  ------------
                           (Issuer's telephone number)

     Check  whether  the issuer (1) filed all  reports  required  to be filed by
Section 13 or 15(d) of the  Exchange  Act during the past 12 months (or for such
shorter period that the  registrant was required to file such reports),  and (2)
has been subject to such filing  requirements  for the past 90 days.
[X] Yes [ ] No
---     ---

     The number of shares  outstanding of the  registrant's  common equity as of
June 30, 2003 was 1,439,424 shares of common stock, par value $.001.


Transitional Small Business Disclosure Format (Check one): [ ] Yes [X] No


                                      None

Transitional Small Business Disclosure Format (check one): Yes [ ] No [X]


                                       1
<PAGE>

--------------------------------------------------------------------------------
                        HOME SERVICES INTERNATIONAL, INC.
--------------------------------------------------------------------------------
                            INDEX TO THE FORM 10-QSB
                    FOR THE THREE-MONTHS ENDED JUNE 30, 2003

                                TABLE OF CONTENTS


PART I. FINANCIAL INFORMATION..................................................3

Item 1. Financial Statements...................................................3

  Balance Sheet as of June 30, 2003 (unaudited) ...............................3

  Statements of Operations for the three and six months ended June 30, 2003
  and 2002 (unaudited).........................................................4

  Statements of Cash Flows for the six months ended June 30, 2003 and
  2002 (unaudited).............................................................5

  Notes to the Financial Statements............................................6

Item 2. Management's Discussion and Analysis and Plan of Operation............11

Item 3. Controls and Procedures...............................................14

PART II. OTHER INFORMATION....................................................15

Item 2. Changes in Securities.................................................15

Item 3. Defaults Upon Series Securities.......................................15

Item 6: Exhibits and Reports on Form 8-K......................................15

SIGNATURES....................................................................16

CERTIFICATIONS.............................................................17-18



                                       2
<PAGE>


PART I.  FINANCIAL INFORMATION
Item 1.  Financial Statements




                           HOME SERVICES INTERNATIONAL

                                  BALANCE SHEET
                                  -------------
                               As of June 30, 2003
                                   (UNAUDITED)
                                     ASSETS
                                     ------
CURRENT ASSETS
   Cash and equivalents                                         $             -
                                                                ---------------
       Total current assets                                                   -
                                                                ---------------

PROPERTY & EQUIPMENT
   Computers & Equipment
       (net of accumulated depreciation of $12,255)                       5,130
                                                                ---------------

OTHER ASSETS                                                                  -
                                                                ---------------

           Total assets                                         $         5,130
                                                                ===============

                      LIABILITIES AND STOCKHOLDERS' DEFICIT
                      -------------------------------------

CURRENT LIABILITIES
   Accounts payable                                             $       326,027
   Interest payable                                                      38,336
   Accrued liabilities                                                   82,621
   Due to shareholder                                                   105,463
   Notes payable                                                        506,735
                                                                ---------------
           Total current liabilities                                  1,059,182
                                                                ---------------

STOCKHOLDERS' DEFICIT
   Common stock, $.001 par value, 75,000,000
     shares authorized, 1,439,424 shares
     issued and outstanding                                               1,439
   Preferred stock, $0.001 par value, 250,000 shares
     issued and outstanding                                                 250
   Additional paid-in capital                                         1,538,058
   Accumulated deficit                                               (2,593,799)
                                                                ---------------
           Total stockholders' deficit                               (1,054,052)
                                                                ---------------
              Total liabilities and stockholders' deficit       $         5,130
                                                                ===============

            See accompanying notes to unaudited financial statements.

                                       3
<PAGE>


                           HOME SERVICES INTERNATIONAL
                                   (UNAUDITED)
                            STATEMENTS OF OPERATIONS
<table>
<caption>
                                                   Three Months         Three Months           Six Months          Six Months
                                                  Ended June 30,       Ended June 30,        Ended June 30,       Ended June 30,
                                                       2003                 2002                 2003                2002
                                              ------------------   ------------------   -------------------   ------------------
<S>                                                   <C>                   <C>                  <C>                 <C>
NET SALES                                      $               -   $                -   $                 -   $                -

COST OF SALES                                                  -                    -                     -                    -
                                              ------------------   ------------------   -------------------   ------------------

                                              ------------------   ------------------   -------------------   ------------------
      GROSS PROFIT                                             -                    -                     -                    -
                                              ------------------   ------------------  -------------------    ------------------

SELLING, GENERAL AND ADMINISTRATIVE EXPENSES              25,560                4,172               217,108                9,220

                                              ------------------   ------------------   -------------------   ------------------
     LOSS FROM OPERATIONS                                (25,560)              (4,172)             (217,108)              (9,220)
                                              ------------------   ------------------   -------------------   ------------------

     INTEREST EXPENSE                                      7,791               26,718                12,231               55,246

LOSS BEFORE DISCONTINUED OPERATIONS
                                              ------------------   ------------------   -------------------   ------------------
     AND INCOME TAXES                                    (33,351)             (30,890)             (229,339)             (64,466)
                                              ------------------   ------------------   -------------------   ------------------

LOSS BEFORE INCOME TAXES

                                              ------------------   ------------------   -------------------   ------------------
LOSS FROM CONTINUING OPERATIONS                          (33,351)             (30,890)             (229,339)             (64,466)
                                              ------------------   ------------------   -------------------   ------------------

LOSS FROM DISCONTINUED OPERATIONS:
      Loss from operations of discontinued
        segment, no income tax effect                          -             (182,376)                    -             (353,576)

                                              ------------------   ------------------   -------------------   ------------------
NET LOSS                                      $          (33,351)  $         (213,266)  $          (229,339)  $         (418,042)
                                              ==================   ==================   ===================   ==================

BASIC NET LOSS PER COMMON SHARE
     Continuing operations                    $            (0.02)  $            (0.15)  $             (0.24)  $            (0.31)
     Discontinued operations                  $                -   $            (0.88)  $                 -   $            (1.71)
                                              ------------------   ------------------   -------------------   ------------------
                                              $            (0.02)  $            (1.03)  $             (0.24)  $            (2.03)
                                              ==================   ==================   ===================   ==================

DILUTED NET LOSS PER COMMON SHARE
     Continuing operations                    $            (0.02)  $            (0.15)  $             (0.24)  $            (0.31)
     Discontinued operations                  $                -   $            (0.88)  $                 -   $            (1.71)
                                              ------------------   ------------------   -------------------   ------------------
                                              $            (0.02)  $            (1.03)  $             (0.24)  $            (2.03)
                                              ==================   ==================   ===================   ==================

WEIGHTED AVERAGE OF COMMON SHARES OUTSTANDING          1,439,424              206,202               974,681              206,202
                                              ==================   ==================   ===================   ==================
</table>

                 See accompanying notes to financial statements.

                                       4
<PAGE>
                          HOME SERVICES INTERNATIONAL
                                   (UNAUDITED)
                            STATEMENTS OF CASH FLOWS
<table>
<caption>

                                                                For the Period Ended June 30
                                                                       2003          2002
                                                                  -------------  -------------
<S>                                                                    <C>           <C>
OPERATING ACTIVITIES:
   Net loss                                                       $    (229,339) $    (418,043)
     Adjustments to reconcile net loss to cash used
       by operating actIvities'
       Loss from discontinued operations                                               353,576
       Depreciation and amortization                                      2,745          8,801
       Loss on disposal of assets
       Issuance of common stock for services performed                  287,500
       Amortization of debt discount
     Changes in assets and liabilities:
       Increase in accounts receivable
       Decrease in inventories
       Increase in interest payable                                      12,231
       Decrease in lease deposits                                        14,111
       Decrease in accounts payable and accrued liabilities            (166.514)        21,519
       Increase in deferred revenue                                                          -
                                                                  -------------  -------------
       Cash (used) by operating activities                              (79,266)       (34,147)
       Cash (used) in discontinued operations                                         (147,532)
                                                                  -------------  -------------
           Net cash (used) by operating activities                      (79,266)      (181,679)
                                                                  -------------  -------------
FINANCING ACTIVITIES:
     Proceeds from notes payable                                              -        191,996
     Payments on notes payable                                                         (45,754)
     Issuance of common stock for cash                                                  31,937
     Changes in due to/from officers                                     78.000         (7,958)
     Payments to officers                                                     -
                                                                  -------------  -------------
           Net cash provided by financing activities                     78,000        170,221
                                                                  -------------  -------------
CHANGE IN CASH AND EQUIVALENTS DURING PERIOD                             (1,266)       (11.458)
CASH AND EQUIVALENTS, BEGINNING OF PERIOD                                 1,266         13,844
                                                                  -------------  -------------
CASH AND EQUIVALENTS, END OF PERIOD                               $           -  $       2,386
                                                                  =============  =============
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION

     Interest paid                                                $           -  $       5,123


NONCASH INVESTING AND FINANCING ACTIVITIES:
     Issuance of common stock for services                        $      70,000  $           -
                                                                  =============  =============
     Issuance of common stock as payment on accrued liabilities   $     200.000  $           -
                                                                  =============  =============
     Issuance of preferred stock for services                     $      17,500  $           -
                                                                  =============  =============

</table>

                 See accompanying notes to financial statements.

                                       5
<PAGE>

HOME SERVICES INTERNATIONAL, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
FOR THE THREE MONTHS ENDED JUNE 30, 2003 AND 2002
--------------------------------------------------------------------------------


NOTE 1 - DESCRIPTION OF BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES

The accompanying unaudited financial statements have been prepared in accordance
with accounting  principles  generally accepted in the United States for interim
financial  information and the  instructions for Form 10-QSB and Regulation S-B.
Accordingly,  they do not include all of the information and footnotes  required
by accounting  principles  generally  accepted in the United States for complete
financial  statements.  All  adjustments  that, in the opinion of management are
necessary for a fair  presentation  of the results of operations for the interim
periods have been made and are of a recurring nature unless otherwise  disclosed
herein.  The results of operations  for the three months ended June 30, 2003 are
not  necessarily  indicative of the results that will be realized for the entire
fiscal year. These financial  statements  should be read in conjunction with the
Company's Annual Report on Form 10-KSB for the year ended December 31, 2002.

Background and Nature of Business
---------------------------------

Tel-Voice Communications,  Inc. ("Tel-Voice") was incorporated under the laws of
the State of Nevada  on  December  31,  1996 to engage in any  lawful  corporate
activity,  including,  but not limited to,  selected  mergers and  acquisitions.
Smartdotcom, Inc. ("SDC") was incorporated under the laws of the State of Nevada
on April 19, 1999.

On June 30, 2000,  SDC was acquired by Tel-Voice in a transaction  accounted for
as a reverse merger.  Tel-Voice  issued 4,376,895 shares of its common stock for
all of the issued and  outstanding  common  stock of SDC.  Prior to the  merger,
Tel-Voice  had no  business  activity.  For  accounting  purposes,  SDC has been
treated as the acquirer  and  accordingly,  SDC is  presented as the  continuing
entity, and the historical  financial statements are those of SDC. Tel-Voice and
SDC are collectively referred to as the "Company."

The Company  determined in December 2002 to abandon its only operating  business
segment which involved a technology that provides  private  electronic  networks
for labor unions and integrated  communities,  both of which include subscribers
of the unions and  communities.  The Company also  abandoned  its  1-866-Unionet
network.   These  business   components  have  been  presented  as  discontinued
operations for the period ended June 30, 2002.

Basis of Presentation
---------------------

The  Company  follows  the  accrual  basis  of  accounting  in  accordance  with
accounting principles generally accepted in the United States of America and has
adopted a year-end of December 31.

The preparation of financial statements in conformity with accounting principles
generally  accepted in the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the  financial  statements  and the  reported  amounts of revenues  and expenses
during the reporting period. Actual results could differ from those estimates.

                                       6
<PAGE>

Management further acknowledges that it is solely responsible for adopting sound
accounting  practices,   establishing  and  maintaining  a  system  of  internal
accounting  control and preventing and detecting  fraud. The Company's system of
internal  accounting  control is designed to assure,  among other items, that 1)
recorded  transactions  are valid; 2) valid  transactions  are recorded;  and 3)
transactions  are  recorded in the proper  period in a timely  manner to produce
financial  statements which present fairly the financial  condition,  results of
operations  and cash  flows of the  Company  for the  respective  periods  being
presented

Going Concern Uncertainty
-------------------------

The  accompanying  financial  statements  have been prepared in conformity  with
accounting principles generally accepted in the United States of America,  which
contemplate  continuation of the Company as a going concern. As reflected in the
accompanying  consolidated  financial statements,  the Company has had recurring
losses and negative cash flows from  operations,  and negative  working capital.
The Company has abandoned it's only operating business segment and is attempting
to raise  capital  seek  acquisition  targets and commence  operations  in a new
business segment. There are no assurances that the Company will be successful in
any of  these  endeavors.  These  factors  raise  substantial  doubt  about  the
Company's  ability  to  continue  as a going  concern.  Without  realization  of
additional  capital, it would be unlikely for the Company to continue as a going
concern. The financial statements do not include any adjustments relating to the
recoverability  and  classification  of recorded asset  amounts,  or amounts and
classification  of  liabilities  that might be  necessary  should the Company be
unable to continue its existence.

Discontinued Operations
-----------------------

The Company  discontinued its operations of electronic networks for labor unions
and integrated  communities  on December 1, 2002.  The Company  intends to enter
into new businesses through acquisitions.


NOTE 2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Principles of Consolidation
---------------------------

The accompanying  consolidated financial statements include the accounts of Home
Services  International and its wholly owned  subsidiary,  SDC. All intercompany
accounts and transactions have been eliminated.

Use of Estimates
----------------

The preparation of financial statements in conformity with accounting principles
generally  accepted in the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the financial statements and the reported amounts of revenue and expenses during
the reporting period. Actual results could differ from those estimates.

                                       7
<PAGE>

Fair Value of Financial Instruments
-----------------------------------

The  carrying  amount of cash,  accounts  payable,  notes  payable  and  accrued
liabilities, as applicable, approximates fair value due to the short term nature
of these items.

Cash and Cash Equivalents
-------------------------

The Company  considers all highly  liquid  investments  purchased  with original
maturities of three months or less to be cash equivalents.

Concentration of Credit Risk
----------------------------

The Company  places its cash in what it believes to be  credit-worthy  financial
institutions.  However,  cash balances may exceed FDIC insured levels at various
times during the year. There were no bank balances  exceeding  insured limits at
June 30, 2003.

Revenue
-------

There was no revenue generated in the periods ended June 30, 2003.

Income Taxes
------------

Income  taxes are  provided  for  based on the  liability  method of  accounting
pursuant to  Statement  of  Financial  Accounting  Standards  ("SFAS")  No. 109,
"Accounting  for Income  Taxes."  Deferred  income taxes,  if any, are recorded,
using enacted tax rates expected to apply,  to reflect the tax  consequences  on
future years of differences  between the tax bases of assets and liabilities and
their financial reporting amounts at each year-end.

Earnings Per Share
------------------

The  Company  calculates  earnings  per share in  accordance  with SFAS No. 128,
"Earnings Per Share," which  requires  presentation  of basic earnings per share
("Basic EPS") and diluted earnings per share ("Diluted EPS"). The computation of
Basic EPS is computed by dividing loss available to common  stockholders  by the
weighted average number of outstanding common shares during the period.  Diluted
EPS gives effect to all dilutive  potential common shares outstanding during the
period. The computation of Diluted EPS does not assume  conversion,  exercise or
contingent  exercise of  securities  that would have an  antidilutive  effect on
earnings. As of June 30, 2003, there were no stock options,  7,497 warrants, and
250,000 shares of preferred stock  convertible to common stock at a 1 to 1 ratio
outstanding.  The Company  declared a 1 for 28.9 reverse stock split. The number
of  shares  presented  in these  financial  statements  has  been  retroactively
restated for all periods to reflect this reverse stock split.

Stock Based Compensation
------------------------

In  1996,  SFAS  No.  123  "Accounting  for  Stock-Based  Compensation,"  became
effective for the Company.  SFAS No. 123, which  prescribes  the  recognition of
compensation  expense  based on the fair  value of  options  on the grant  date,
allows  companies to continue  applying APB 25 if certain pro forma  disclosures


                                       8
<PAGE>

are made assuming hypothetical fair value method, for which the Company uses the
Black-Scholes option-pricing model.

The Company  accounts for employee stock options in accordance  with  Accounting
Principles  Board  Opinion No. 25 ("APB 25"),  "Accounting  for Stock  Issued to
Employees." Under APB 25, the Company recognizes no compensation expense related
to employee  stock  options,  as no options are granted at a price below  market
price on the date of grant.

For non-employee stock based compensation,  the Company recognizes an expense in
accordance with SFAS No. 123 and values the equity  securities based on the fair
value of the security on the date of grant. For stock-based  awards the value is
based on the  market  value  for the stock on the date of grant and if the stock
has  restrictions  as to  transferability  a discount  is  provided  for lack of
tradability.   Stock   option   awards  are  valued   using  the   Black-Scholes
option-pricing model.

Advertising
-----------

The  Company  expenses  advertising  costs  as  incurred.  The  Company  had  no
advertising expense in the quarter ended June 30, 2003.

Recently Issued Accounting Pronouncements
-----------------------------------------

In January 2001, the FASB Emerging Issues Task Force issued EITF 00-27 effective
for  convertible  debt   instruments   issued  after  November  16,  2000.  This
pronouncement  requires the use of the intrinsic value method for recognition of
the detachable and imbedded  equity  features  included with  indebtedness,  and
requires  amortization of the amount associated with the convertibility  feature
over the life of the debt  instrument  rather  than the  period  for  which  the
instrument  first became  convertible.  The  guidelines  of EITF 00-27 have been
adopted by the Company.

In June 2001, the FASB issued SFAS No. 141,  "Business  Combinations."  SFAS No.
141 requires  that the purchase  method of  accounting  be used for all business
combinations  initiated  after June 30, 2001.  Goodwill  and certain  intangible
assets  will  remain on the  balance  sheet and not be  amortized.  On an annual
basis,  and when  there is  reason  to  suspect  that  their  values  have  been
diminished  or  impaired,  these  assets  must be  tested  for  impairment,  and
writedowns  may be  necessary.  The Company  adopted SFAS No. 141,  which had no
material effect on its results of operations or financial condition.

In June 2001,  the FASB  issued  SFAS No. 142,  "Goodwill  and Other  Intangible
Assets." SFAS No. 142 changes the accounting  for goodwill from an  amortization
method to an  impairment-only  approach.  Amortization  of  goodwill,  including
goodwill  recorded in past  business  combinations,  will cease upon adoption of
this statement.  The Company is required to implement SFAS No. 142 on January 1,
2002 and as a result would not amortize  goodwill.  The Company has reviewed the
provisions of this accounting pronouncement and does not believe that the effect
will be material or  adversely  affect its results of  operations  or  financial
condition.

In October 2001, the FASB issued SFAS No. 143,  "Accounting for Asset Retirement
Obligations,"  which requires  companies to record the fair value of a liability
for asset retirement  obligations in the period in which they are incurred.  The
statement  applies  to  a  company's  legal  obligations   associated  with  the
retirement  of a tangible  long-lived  asset that results from the  acquisition,
construction,  and  development or through the normal  operation of a long-lived


                                       9
<PAGE>

asset. When a liability is initially recorded,  the company would capitalize the
cost,  thereby  increasing  the  carrying  amount  of  the  related  asset.  The
capitalized asset retirement cost is depreciated over the life of the respective
asset while the liability is accreted to its present value.  Upon  settlement of
the liability,  the obligation is settled at its recorded  amount or the company
incurs a gain or loss.  The  statement is effective  for fiscal years  beginning
after June 30, 2002. The Company does not expect the adoption to have a material
impact to the Company's financial position or results of operations.

In October 2001, the FASB issued SFAS No. 144, "Accounting for the Impairment or
Disposal of Long-Lived  Assets".  Statement 144  addresses  the  accounting  and
reporting for the  impairment or disposal of  long-lived  assets.  The statement
provides a single  accounting model for long-lived assets to be disposed of. New
criteria  must be met to  classify  the  asset as an asset  held-for-sale.  This
statement  also focuses on reporting the effects of a disposal of a segment of a
business.  This statement is effective for fiscal years beginning after December
15, 2001. The Company does not expect the adoption to have a material  impact to
the Company's financial position or results of operations.

In July 2002,  the FASB issued SFAS No. 146,  "Accounting  for Costs  Associated
With Exit or Disposal Activities".  This Standard requires costs associated with
exit  or  disposal  activities  to be  recognized  when  the are  incurred.  The
requirements of SFAS No. 146 apply prospectively after December 31, 2002, and as
such,  the Company cannot  reasonably  estimate the impact of adopting these new
rules.


NOTE 3 - RELATED PARTY TRANSACTIONS

The Company  borrows  funds from an officer and  stockholder  from time to time.
Also, amounts due to/from this officer include unpaid salaries for the Company's
CEO and Company  related  expenses paid by the Company's  CEO. The Company's CEO
has waived any salary for the three and six months ended June 30, 2003.

Due to/from officer  represents salary  accrual/payments  for the Company's CEO,
advances/repayments to/from the Company's CEO and expenses paid by the Company's
on behalf of the CEO.

During the three and six month periods ended June 30, 2003, the Company received
loans from a significant  shareholder of $60,000 and $78,000,  respectively,  to
cover operating expenses and certain accounts payable.

NOTE 4 - NOTES PAYABLE AND CAPITAL LEASE

The Company has made no payments on its notes payable in the three and six month
periods ended June 30, 2003.  There were no additional notes payable incurred in
the quarter ended June 30, 2003.  All existing  notes payable are due within the
next twelve months.

                                       10
<PAGE>

NOTE 5 - BUSINESS SEGMENTS

The Company operated in one business segment,  private  electronic  networks for
labor  unions.  The Company  started its  operations  in the private  electronic
networks in the year ended  December 31, 2001.  Substantially  all the operating
revenue for the years ended December 31, 2002 and 2001 related to the electronic
network for labor unions segment.  The Company ceased  operating in this segment
in December 2002.

NOTE 6 - DISCONTINUED OPERATIONS

In the year ended  December  31,  2002,  the  Company  determined  that it would
abandon its operations  electronic network for labor unions segment. At December
31, 2002, the Company had no operating segments.  The Company generated revenues
in this  segment of $14,483 and $71,720  during the three and six month  periods
ended June 30, 2002.

NOTE 7 - PREFERRED STOCK

The Company issued 250,000 shares of its Series A Preferred stock during the six
month period ended June 30, 2003. The Preferred Series A stock is convertible to
common  stock at rate of one for one.  The  Preferred  Series A stock  accrues a
cumulative dividend at 10% per year.

NOTE 8 - STOCKHOLDERS' DEFICIENCY

The Company  declared a 1 for 28.9  reverse  stock  split.  The number of shares
presented in these financial statements has been retroactively  restated for all
periods to reflect this reverse stock split.

NOTE 9 - COMMITMENTS AND CONTINGENCIES

During the three  months  ended  June 30,  2003,  the  Company  entered  into an
agreement with a lender whereby the lender committed to lend up to $2,000,000 to
the Company.  The terms of this  borrowing  arrangement  include the issuance of
1,236,384  shares of Series A Preferred stock as collateral.  The borrowings are
subject to interest at 5.5% per annum.  The  borrowings are to be repaid in five
years.  The Series A Preferred  shares are  convertible  into common  stock at a
ratio of 1 to 1. As of June 30,  2003,  the Company has not  obtained  any funds
under this arrangement nor have any preferred shares been issued.

Item 2.  Management's Discussion and Analysis and Plan of Operation.

General

The following discussion and analysis should be read in conjunction with the our
consolidated  financial  statements  and  related  footnotes  for the year ended
December 31, 2002 included in this Annual Report on Form 10-KSB.  The discussion
of results,  causes and trends  should not be construed to imply any  conclusion
that such results or trends will necessarily continue in the future.

Background and Overview

Tel-Voice Communications,  Inc. ("Tel-Voice") was incorporated under the laws of
the State of Nevada  on  December  31,  1996 to engage in any  lawful  corporate
activity,  including,  but not limited to,  selected  mergers and  acquisitions.
Smartdotcom,  Inc.  ("Smartdotcom") was incorporated under the laws of the State
of Nevada on April 19, 1999. On June 30, 2000, Smartdotcom became a wholly owned
subsidiary of Tel-Voice  through a reverse merger.  Tel-Voice  issued  4,376,895
shares of its common stock for all of the issued and outstanding common stock of


                                       11
<PAGE>

Smartdotcom.  Prior  to the  merger,  Tel-Voice  had no  business  activity  and
therefore,  pro forma operating results as if the acquisition had taken place at
the beginning of the periods presented have not been presented.  Smartdotcom has
been treated as the acquirer and  accordingly,  Smartdotcom  is presented as the
continuing entity. The historical financial statements are those of Smartdotcom.

In December of 2002, the Company  determined  that its business plan of becoming
an all-inclusive  telecom,  messaging and  communications  provider would not be
successful.  We therefore have wound down those operations and are now searching
for new  business  ventures.  We have  incurred net losses of  $2,593,799  since
inception.

In December of 2002, TVCM reorganized,  to become a "home services  provider" to
attract  investors and  customers.  The Company  intends to become a provider of
services  to  home  buyers.  Our  services  will  include  design,  construction
management  and financing  for  individuals  building  their own custom home. We
intend to raise  capital in order to broker and originate  residential  mortgage
loans.

The  Company  issued   "stock-for-debt"  and  rolled  back  the  share  issuance
outstanding  28.9  to 1.  Tel-Voice  Communications,  Inc.,  now  known  as Home
Services  International  Inc., is postured to grow and attract  investment  thus
allowing the company to meet its obligations and provide  increased  shareholder
value.

Plan of Operation
-----------------

Because  the  Company has  determined  that it will exit the  telecommunications
business, we have developed a new business plan to become a provider of services
to home buyers

The Company intends to assemble a management team that will include  experienced
managers in the fields of  telecommunications,  technology,  home  building  and
construction,  franchise  sales and  marketing,  and  finance.  The  Company  is
presently  seeking  acquisition  targets that will provide  synergies within the
complete process of acquiring land, construction and financing of new homes.

We may be able to duplicate these in a franchise-type  manner,  so that HSVI can
create  EBU's  (Entrepreneurial  Business  Units)  in  several  other  cities or
communities.  Any  acquisition  target must be in the "home  service"  field and
provide a product or service to a home-owner.

Results of Operations

Period ended June 30, 2003 vs. June 30, 2002

Revenue for the three and six months  ended June 30,  2003 was $-0-  compared to
$14,683 and $71,720 for the comparable  periods in 2002. All of the 2002 revenue
was generated  from the  1-866-UNIONET  service which has been  reclassified  in
discontinued  operations.  The Company  ceased  generating  revenue in September
2002.

General and administrative  expenses for the three and six months ended June 30,
2003 was $25,560 and $217,108  respectively  an increase of $21,388 and $207,888
respectively.  The increase is principally due increased consulting expenses and
professional  fees as the  Company  explored  moving into other  businesses  and
directed  efforts  to  raising  capital.   The  Company  expensed  $187,500  for
consulting services provided by a significant  shareholder.  Those services were
paid for through the issuance of common and preferred stock.

                                       12
<PAGE>

Interest expense for the three and six months ended June 30, 2003 was $7,791 and
$12,231 respectively  compared to $26,718 and $55,246 for the comparable periods
in 2002.  The decrease is due primarily to the  amortization  of the discount on
notes  payable in the prior  year and that  because of the nature of the some of
the notes that no longer accrue interest.

Period ended June 30, 2002 compared to June 30, 2001

Revenue for the three month period ended June 30, 2002  decreased by $206,450 or
93% from  $221,133  for the three  months ended June 30, 2001 to $14,683 for the
three months ended June 30, 2002. The Company had  approximately 135 subscribers
to its 866-Unionet service at June 30, 2002. The 2001 revenue was generated from
the integrated  community  project in La Jolla, CA. The consulting fees received
from this project  ended in early 2002.  The Company  cannot assure that it will
continue to generate revenues in the future at levels  commensurate with that of
2001.

General and  administrative  expenses  for the three month period ended June 30,
2002  decreased by $63,959 or 25% from $253,511 for the three month period ended
June 30, 2001 to $189,552 for the three month  period  ended June 30, 2002.  The
decrease is principally due to a decrease in travel and entertainment and office
expenses of approximately  $55,000 as a result of curbing such  expenditures,  a
decrease of  approximately  $26,000 in payroll  taxes,  offset by an increase in
accounting fees of $36,000 for annual/quarterly filings.

Interest  expense for the three month  period  ended June 30, 2002  increased by
$25,795  from $923 for the three month period ended June 30, 2001 to $26,718 for
the three month period  ended June 30, 2002.  The increase is due to issuance of
notes  payable in late 2001 and also in the three  month  period  ended June 30,
2002. There were no such notes payable in early 2001.

Six months ended June 30, 2002 vs. June 30, 2001

Revenue for the six month  period  ended June 30, 2002  decreased by $177,113 or
71% from  $248,833 for the six months ended June 30, 2001 to $71,720 for the six
months ended June 30, 2002.  The 2001 revenue was generated  from the integrated
community project in La Jolla, CA. The 2002 revenue was primarily generated from
the same project  which  concluded  in the first three months of that year.  The
Company  cannot assure that it will continue to generate  revenues in the future
at levels commensurate with that of 2001.

General and administrative expenses for the six month period ended June 30, 2002
increased  by $36,758 or 10% from  $382,174  for the six month period ended June
30, 2001 to $418,932 for the six month period ended June 30, 2002.  The increase
is  principally   due  to  an  increase  in  accounting   fees  of  $65,000  for
annual/quarterly   filings,   offset  by  a  decrease  in  office   expenses  of
approximately $40,000 as a result of curbing such expenditures.

Interest  expense  for the six month  period  ended June 30, 2002  increased  by
$53,604  from $1,642 for the six month period ended June 30, 2001 to $55,246 for
the six month  period  ended June 30,  2002.  The increase is due to issuance of
notes  payable in late 2001 and also in the three  month  period  ended June 30,
2002. There were no such notes payable in early 2001.

Liquidity and capital resources

The  Company  has  incurred  additional  deficits  in cash flow  from  operating
activities.  The Company has begun the process of a preferred  share offering to
raise capital for mortgage and construction  loan financing for its intended new
business  line.  The Company is  attempting  to negotiate  settlements  with its


                                       13
<PAGE>

creditors  for  obligations  incurred  in its  former  operations.  The  Company
believes that these  creditors  will settle a majority of these  obligations  in
exchange for shares of its common stock.  The Company  believes  that  creditors
with  obligations  totaling  approximately  $250,000  of the  $506,735  in notes
payable  outstanding  at June 30,  2003 have  agreed in  concept  to accept  the
Company's  offer.  The Company has paid for services by a consultant  in the six
months ended June 30, 2003 by issuing  common and preferred  stock.  The Company
must  address  accrued  payroll and payroll tax  liabilities  and trade  payable
obligations to successfully restructure the Company's obligations.  There can be
no  assurances  that the Company will be successful in doing so. The Company has
also  entered into a letter of intent to make a business  acquisition.  However,
that  acquisition  is contingent  upon the Company  being  successful in raising
capital or arranging for a commitment of capital in the amount of $50,000,000.

Forward looking statements

This report contains certain  forward-looking  statements  within the meaning of
Section 27A of the  Securities  Act of 1933, as amended,  and Section 21E of the
Securities Exchange Act of 1934, as amended. Stockholders are cautioned that all
forward-looking  statements  involve risks and  uncertainty,  including  without
limitation,  the ability of us develop our  technology  and execute our business
plan.  Although  we  believe  the  assumptions  underlying  the  forward-looking
statements  contained  herein are reasonable,  any of the  assumptions  could be
inaccurate,  and therefore,  there can be no assurance that the  forward-looking
statements contained in the report will prove to be accurate.

Off balance sheet arrangements

The Company's  liquidity has not dependent upon off balance sheet  transactions.
For the  period  ended  June 30,  2003,  the  Company  did not engage in any off
balance sheet transactions.


Item 3. Controls and Procedures

The Company  maintains  disclosure  controls and procedures that are designed to
ensure that  information  required to be  disclosed  in our annual and  periodic
reports  filed with the SEC is  recorded,  processed,  summarized  and  reported
within the time periods specified in the SEC's rules and forms. These disclosure
controls and procedures are further  designed to ensure that such information is
accumulated and  communicated  to our management,  including our Chief Executive
Officer and Principal  Accounting  Officer,  to allow timely decisions regarding
required disclosure.

Based on the most recent  evaluation,  which was completed within 90 days of the
filing of this report,  our Chief  Executive  Officer and  Principal  Accounting
Officer  believes  that the Company's  disclosure  controls and  procedures  are
effective and there have been no significant  changes in the Company's  internal
controls  or in other  factors  that could  significantly  affect  the  internal
controls subsequent to the date of the most recent evaluation.

                                       14
<PAGE>

PART II. OTHER INFORMATION

Item 1. Legal Proceedings

     The Company is involved in pending  litigation with two parties.  The first
involves a claim of $10,000 for non-payment  for services.  The other is a claim
of $61,000  for alleged  breach of  contract.  The  Company has accrued  $64,500
related to these matters at June 30, 2003. However, the Company believes that it
has agreed to a  settlement  on one such matter and it intends to defend and has
filed counter claims on the other.

     The Company has accrued $36,800 related to the abandoned  office lease. The
former  landlord  has filed a claim  against the Company.  However,  the Company
believes that it will be successful  in settling this  obligation  for an amount
less that what is accrued.

Item 2 - Changes in Securities

     During  the six month  period  ended  June 30,  2003,  the  Company  issued
1,153,787  shares  of its  common  stock  and  250,000  shares  of its  Series A
Preferred shares as consideration for services  provided by a consultant.  There
were no underwriters involved in the issuance of these shares and the securities
were not publicly offered for sale.

Item 3.  Defaults Upon Senior Securities

     The  Company has  defaulted  on most of its notes  payable.  The Company is
attempting to renegotiate or reach settlements on these  obligations.  Creditors
representing  approximately  $250,000 of these  obligations have  collateralized
positions.

Item 6. Exhibits and Reports on Form 8-K

     (a) Exhibits

     99.1 CERTIFICATE OF CEO/CFO AS REQUIRED BY RULE 13a-14(a)/15d-14

     99.2 CERTIFICATION OF CHIEF EXECUTIVE OFFICER PURSUANT TO18 U.S.C.  SECTION
          1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE  SARBANES-OXLEY ACT OF
          2002

     (b) Reports on Form 8-K

The Company filed Form 8-K dated January 10, 2003 to inform investors of certain
changes in the  operations  of the company and in the capital  structure  of the
company.  A majority of the shareholders of the company approved a reverse split
of the company's common stock of 28.9 shares of the old common stock for 1 share
of new common stock, to become  effective at the close of business local time on
January 13, 2003. The Company also announced that a majority of the shareholders
also approved renaming the company to Home Services International, Inc.

The  Company  filed  Form 8-K dated May 13,  2003 to  inform  investors  that it
entered into an agreement with WHY USA FINANCIAL GROUP, INC. ("WHY USA") whereby
the  registrant  is to  exchange  one (1)  share  of its  Series  A  Convertible
Preferred  Stock for each 39 shares of WHY USA common stock.  The transaction is
contingent upon the registrant meeting certain conditions.


                                       15
<PAGE>

                                   SIGNATURES

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Action of 1934,  as amended,  the  registrant  has duly caused this Report to be
signed on its behalf by the undersigned, thereunto duly authorized.


                                               HOME SERVICES INTERNATIONAL, INC.

                                               By:   /s/ JAY BUDD
                                               ------------------------------
                                                         Jay Budd
                                                         CHAIRMAN OF THE BOARD

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended,
this  Report has been  signed  below by the  following  persons on behalf of the
registrant and in the capacities and on the dates indicated.

       Signature               Title                            Date

    /s/ JAY BUDD
--------------------------
        Jay Budd              Chairman of the Board and CEO     August 13, 2003

    /s/ ROBERT LEE
---------------------------
        Robert Lee             Director                         August 13, 2003


                                       16
<PAGE>


Exhibit 99.1
                                 CERTIFICATIONS

I, Jay Budd,  certify,  pursuant to Rule 13a-4 of the Securities Exchange Act of
1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, with
respect to the Quarterly Report of Home Services International,  Inc. ("HSI") on
Form 10-QSB for the quarterly period ended June 30, 2003 ("Report") that:

(1) I have reviewed this Report;

(2) based on my knowledge,  this Report does not contain any untrue statement of
a  material  fact  or omit  to  state a  material  fact  necessary  to make  the
statements made, in light of the circumstances  under which such statements were
made, not misleading with respect to the period covered by this Report;

(3)  based  on my  knowledge,  the  financial  statements  and  other  financial
information included in this Report, fairly present in all material respects the
financial condition,  results of operations and cash flows of HSI as of, and for
the periods presented in this Report;

(4) I am responsible for  establishing and maintaining  disclosure  controls and
procedures  (as defined in Exchange  Act Rules  13a-14 and 15d-14) for HSI and I
have:  (a)  designed  such  disclosure  controls and  procedures  to ensure that
material information relating to HSI is made known to me by others, particularly
during the period in which this  Report is being  prepared;  (b)  evaluated  the
effectiveness of HSI's disclosure controls and procedures as of a date within 90
days prior to the filing date of this Report (the  "Evaluation  Date");  and (c)
presented  in  this  Report  my  conclusions  about  the  effectiveness  of  the
disclosure  controls and procedures  based on my evaluation as of the Evaluation
Date;

(5) I have disclosed,  based on my most recent  evaluation,  to our auditors and
the audit  committee  of our  board of  directors  (or  persons  performing  the
equivalent  function):  (a)  all  significant  deficiencies  in  the  design  or
operation  of  internal  controls  which could  adversely  affect our ability to
record, process, summarize and report financial data and have identified for our
auditors  any  material  weaknesses  in  internal  controls;  and (b) any fraud,
whether or not material,  that involves management or other employees who have a
significant role in our internal controls; and

(6) I have  indicated  in this  Report  whether  or not there  were  significant
changes in internal controls or in other factors that could significantly affect
internal controls subsequent to the date of my most recent evaluation, including
any  corrective  actions with regard to  significant  deficiencies  and material
weaknesses.



                                              By:    /s/ Jay Budd
                                              -------------------------------
                                                         Jay Budd
                                                         Chief Executive Officer


                                       17
<PAGE>
Exhibit 99.2
                        HOME SERVICES INTERNATIONAL, INC.

                                CERTIFICATION OF
                             CHIEF EXECUTIVE OFFICER
                       PURSUANT TO18 U.S.C. SECTION 1350,
                       AS ADOPTED PURSUANT TO SECTION 906
                        OF THE SARBANES-OXLEY ACT OF 2002


I, Jay Budd, solely for the purpose of complying with 18 U.S.C. Section 1350, as
adopted  pursuant  to  Section  906 of the  Sarbanes-Oxley  Act of 2002,  hereby
certify  that  to  my  knowledge   the   Quarterly   Report  of  Home   Services
International,  Inc. on Form 10-QSB for the quarterly period ended June 30, 2003
fully complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934 and that  information  contained in such Form 10-QSB fairly
presents  in all  material  respects  the  financial  condition  and  results of
operations of Home Services International, Inc.


                                              By:    /s/ Jay Budd
                                              -------------------------------
                                                         Jay Budd
                                                         Chief Executive Officer

                                       18
<PAGE>