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Valentine’s Day is fast approaching, so you’d better get going with the flowers and chocolates for your sweetie. But this year, why not go beyond the traditional gifts and give a present that can make a difference in your loved one’s life for years to come? Specifically, why not give a financial gift? Of course, you could always put some cash or a check in a card, but with a little creativity, you can make a financial gift that has a longer-lasting and more profound ...