by Marci Julin It's that time of year again when advertisements for chocolate, flowers, and bling bombard us from every source--or hopefully our husbands anyway! Advertisers know how women's hearts long for romance, and they happily offer men endless suggestions on how to fulfill that longing. Although the holiday primarily focuses on couples, all monetary expressions of love are, of course, encouraged. Since a shortage of funds often prevents my family from diving head-