SECURITIES MANAGEMENT & TIMING FUNDS
485APOS, EX-99.23.J, 2000-08-04
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                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



         As independent public accountants,  we hereby consent to the use of our
report dated June 21, 2000 and to all references to our firm included in or made
a part of this Post-Effective  Amendment No.3 to the Registration  Statement for
Securities Management & Timing Funds.




McCurdy & Associates CPA's, Inc.
August 2, 2000




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