By Jackie Ricks       At this time of year, everyone’s mind is on giving and how many Christmas presents to give various loved ones and friends. However, physical gift-giving is not the only thing we should be concerned about. Some families prefer to give something other than a physical gift — perhaps an experience, time or help of some kind. What kind of legacy of giving do you have?       My parents taught me to tithe from an early age. No, I didn’t receive an allowance, but they ...