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 September 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
September 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 SEPTEMBER 30, 2003

                                TABLE OF CONTENTS


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

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

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

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

Statements of Cash Flows for the nine months ended
   September 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....................................................16

Item 1. Legal Proceedings ....................................................16

Item 2. Changes in Securities.................................................16

Item 3. Defaults Upon Series Securities.......................................16

Item 6: Exhibits and Reports on Form 8-K......................................16

SIGNATURES....................................................................17

CERTIFICATIONS................................................................18


                                       2
<PAGE>


PART I.  FINANCIAL INFORMATION

Item 1.  Financial Statements

                        HOME SERVICES INTERNATIONAL, INC.
                            As of September 30, 2003
                                   (UNAUDITED)
                                     ASSETS
                                     ------
CURRENT ASSETS
  Cash and equivalents                                       $                -
                                                            -------------------
      Total current assets                                                    -
                                                            -------------------

PROPERTY & EQUIPMENT
  Computers & Equipment
      (net of accumulated depreciation of $13,718)                        3,667
                                                            -------------------

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

         Total assets                                        $            3,667
                                                            ===================

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

CURRENT LIABILITIES
  Accounts payable                                           $          330,425
  Interest payable                                                       46,127
  Accrued liabilities                                                    82,621
  Due to shareholder                                                    108,963
  Notes payable                                                         506,735
                                                            -------------------
      Total current liabilities                                       1,074,871
                                                            -------------------

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                                                (2,610,951)
                                                            -------------------
      Total stockholders' deficit                                    (1,071,204)
                                                            -------------------
         Total liabilities and stockholders' deficit         $            3,667
                                                            ===================

            See accompanying notes to unaudited financial statements.

                                       3
<PAGE>


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

COST OF SALES                                               -                -                 -                  -
                                            -----------------  ---------------  ---------------- ------------------
  GROSS PROFIT                                              -                -                 -                  -
                                            -----------------  ---------------  ---------------- ------------------
SELLING, GENERAL AND
  ADMINISTRATIVE EXPENSES                               9,361           11,564           226,469             20,784
                                            -----------------  ---------------  ---------------- ------------------
  LOSS FROM OPERATIONS                                 (9,361)         (11,564)         (226,469)           (20,784)
                                            -----------------  ---------------  ---------------- ------------------
  INTEREST EXPENSE                                      7,791           19,820            20,022             75,066

LOSS BEFORE DISCONTINUED OPERATIONS         -----------------  ---------------  ---------------- ------------------
  AND INCOME TAXES                                    (17,152)         (31,384)         (246,491)           (95,850)
                                            -----------------  ---------------  ---------------- ------------------
LOSS BEFORE INCOME TAXES
                                            -----------------  ---------------  ---------------- ------------------
LOSS FROM CONTINUING OPERATIONS                       (17,152)         (31,384)         (246,491)           (95,850)
                                            -----------------  ---------------  ---------------- ------------------
LOSS FROM DISCONTINUED OPERATIONS:
  Loss from operations of discontinued
    segment, no income tax effect                           -         (179,620)                -           (533,196)
                                            -----------------  ---------------  ---------------- ------------------
NET LOSS                                     $        (17,152)  $     (211,004)  $      (246,491)  $       (629,046)
                                            =================  ===============  ================ ==================
BASIC NET LOSS PER COMMON SHARE
  Continuing operations                      $          (0.01)  $        (0.14)  $         (0.22)  $          (0.46)
  Discontinued operations                    $              -   $        (0.83)  $             -   $          (2.54)
                                            -----------------  ---------------  ---------------- ------------------
                                             $          (0.01)  $        (0.97)  $         (0.22)  $          (3.00)
                                            =================  ===============  ================ ==================
DILUTED NET LOSS PER COMMON SHARE
  Continuing operations                      $          (0.01)  $        (0.14)  $         (0.22)  $          (0.46)
  Discontinued operations                    $              -   $        (0.83)  $             -   $          (2.54)
                                            -----------------  ---------------  ---------------- ------------------
                                             $          (0.01)  $        (0.97)  $         (0.22)  $          (3.00)
                                            =================  ===============  ================ ==================
WEIGHTED AVERAGE OF
   COMMON SHARES OUTSTANDING                        1,439,424          216,653         1,131,873            209,704
                                            =================  ===============  ================ ==================
</table>

                       See accompanying notes to financial statements.

                                       4
<PAGE>

                        HOME SERVICES INTERNATIONAL, INC.
                            STATEMENTS OF CASH FLOWS
                            ------------------------
                     For the Nine Months Ended September 30,
<table>
<caption>
                                                                      2003              2002
OPERATING ACTIVITIES:                                        -----------------  ----------------
<S>                                                                   <C>                <C>
  Net loss                                                    $       (246,491)  $      (629,046)
      Adjustments to reconcile net loss to cash used
         by operating activities:
         Loss from discontinued operations                                   -           533,196
         Depreciation and amortization                                   4,208             8,801
         Issuance of common stock for services performed               287,500                 -
         Amortization of debt discount                                       -            29,500
         Loss on disposal of assets                                                        2,175
      Changes in assets and liabilities:
        (Increase) Decrease in lease deposits                           14,111                 -
         Increase in interest payable                                   20,022            21,519
         Increase in accounts payable and accrued liabilities         (162,116)          113,623
                                                             -----------------  ----------------
         Cash provided from (used) by continuing operations            (82,766)           79,768
         Cash used in discontinued operations                                -          (251,641)
                                                             -----------------  ----------------
            Net cash (used) by operating activities                    (82,766)         (171,873)
                                                             -----------------  ----------------

FINANCING ACTIVITIES:

      Proceeds/(payments) from advances from shareholder                81,500            (7,958)
      Proceeds from notes payable                                                        191,996
      Issuance of common stock for cash                                      -            31,937
      Principal payments on notes payable                                    -           (45,754)
                                                             -----------------  ----------------

            Net cash provided by financing activities                   81,500           170,221
                                                             -----------------  ----------------

CHANGE IN CASH AND EQUIVALENTS DURING PERIOD                            (1,266)           (1,652)

CASH AND EQUIVALENTS, BEGINNING OF PERIOD                                1,266            13,844
                                                             -----------------  ----------------

CASH AND EQUIVALENTS, END OF PERIOD                            $             -    $       12,192
                                                             =================  ================
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
      Cash paid during the period for:
            Interest                                           $             -    $        5,123
                                                             =================  ================
NONCASH INVESTING AND FINANCING ACTIVITIES:
      Issuance of capital stock for services                   $       287,500    $            -
                                                             =================  ================
</table>
            See accompanying notes to unaudited financial statements.


                                       5
<PAGE>


HOME SERVICES INTERNATIONAL, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
FOR THE THREE AND NINE MONTHS ENDED SEPTEMBER 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 September 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 September 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
September 30, 2003.

Revenue
-------

There was no revenue generated in the periods ended September 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 September 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,


                                       8
<PAGE>

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

allows  companies to continue  applying APB 25 if certain pro forma  disclosures
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 September 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.

                                       9
<PAGE>

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
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 nine months ended September 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 nine month  periods ended  September 30, 2003,  the Company
received   loans  from  a  significant   shareholder   of  $3,500  and  $81,500,
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 nine
month periods ended September 30, 2003.  There were no additional  notes payable
incurred in the quarter ended September 30, 2003. All existing notes payable are
due within the next twelve months.

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


                                       10
<PAGE>

NOTE 5 - BUSINESS SEGMENTS - continued

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 $39,729 and $111,449  during the three and nine month periods
ended September 30, 2002.

NOTE 7 - PREFERRED STOCK

The Company  issued  250,000  shares of its Series A Preferred  stock during the
nine month period ended  September  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.  The  shares  were  issued as
consideration  for services and valued at $17,500,  representing  the equivalent
value of the common stock into which they are convertible.

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. The Company issued 1,153,787 shares
of common  stock as  consideration  for  services in the nine month period ended
September  30, 2003.  The shares were valued at expensed at the trading value of
the shares aggregating to $270,000.

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  September  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


                                       11
<PAGE>

Background and Overview - continued

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
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 September 30, 2003 vs. September 30, 2002

Revenue for the three and nine months ended September 30, 2003 was $-0- compared
to $39,729 and  $111,449  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.

                                       12
<PAGE>

General  and  administrative  expenses  for the  three  and  nine  months  ended
September 30, 2003 was $9,631 and $226,469  respectively an  increase/(decrease)
of $(1,933) and $205,685 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
$287,500 for consulting  services provided by a significant  shareholder.  Those
services were paid for through the issuance of common and preferred stock.


Interest  expense for the three and nine  months  ended  September  30, 2003 was
$7,791  and  $20,022  respectively  compared  to  $11,564  and  $20,784  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 September 30, 2002 compared to September 30, 2001

Revenue  for the three month  period  ended  September  30,  2002  decreased  by
$512,493 or 93% from  $561,222 for the three months ended  September 30, 2001 to
$39,729  for the  three  months  ended  September  30,  2002.  The  Company  had
approximately 135 subscribers to its 866-Unionet  service at September 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.

Cost of revenue in the three month period ended  September  30, 2002  represents
the cost of pagers and the  purchase  of air time.  Cost of revenue in the three
month period  ended  September  30, 2001  represents  labor and  material  costs
associated with the integrated community project in La Jolla, California.

General and  administrative  expenses for the three month period ended September
30, 2002  decreased  by $46,265 or 25% from  $269,729 for the three month period
ended September 30, 2001 to $223,564,  which includes  discontinued  operations,
for the three month period ended September 30, 2002. The decrease is principally
due to curbing of expenditures as the Company  implemented cost cutting measures
to address its continued cash flow constraints.


Interest  expense for the three month period ended  September 30, 2002 increased
by $15,986 from $3,834 for the three month period  ended  September  30, 2001 to
$19,820 for the three month period ended September 30, 2002. The increase is due
to  issuance of notes  payable in late 2001 and also in the three  month  period
ended September 30, 2002. There were no such notes payable in early 2001.

Nine months ended September 30, 2002 vs. September 30, 2001

Revenue for the nine month period ended September 30, 2002 decreased by $698,606
or 86% from  $810,055 for the nine months ended  September  30, 2001 to $111,449
for the nine months ended  September  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 nine month period ended  September
30, 2002  decreased  by $8,716 or 10% from  $651,903  for the nine month  period
ended September 30, 2001 to $643,187,  which includes  discontinued  operations,
for the nine month period ended  September 30, 2002. The decrease is principally
due to curbing of expenditures as the Company  implemented cost cutting measures
to address its continued cash flow constraints.

                                       13
<PAGE>

Interest expense for the nine month period ended September 30, 2002 increased by
$69,590  from  $5,476 for the nine month  period  ended  September  30,  2001 to
$75,066 for the nine month period ended  September 30, 2002. The increase is due
to  issuance  of notes  payable in late 2001 and also in the nine  month  period
ended September 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
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 September 30, 2003 have agreed in concept to accept the
Company's  offer.  The Company has paid for services by a consultant in the nine
months ended  September  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.

The Company had entered into a letter of intent to merge with WHY USA  FINANCIAL
GROUP,  INC. The term of that agreement has expired and the Company is no longer
pursuing that  transaction.  Subsequently,  the Company entered into a letter of
intent to merge with another operating  entity.  The Company continues to pursue
that transaction as well as the capital required to effectuate that merger.


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  September 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


                                       14
<PAGE>
Item 3.  Controls and Procedures - continued

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.

                                       15
<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 September 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 nine month period ended  September 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

       31 Section 302 Certificate of CEO

       32 Section 906 Certificate of CEO

     (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.

                                       16
<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  November 12, 2003

    /s/ ROBERT LEE
- --------------------------
        Robert Lee              Director                      November 12, 2003


                                       17
<PAGE>

Exhibit 31

                                 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 September 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


                                       18
<PAGE>

Exhibit 32

                        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 September 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



                                       19
<PAGE>