GIVE GLAMOROUS SILVER GIFTS This Valentine's Day would be a good time to encourage customers to win hearts with gifts of sterling silver. Sales of sterling silver jewelry and giftware were expected to exceed a record $2 billion in 1995, says the Silver Information Center. The reason: consumers want some affordable luxuries after several seasons of stocking up on home accessories. SIC offers these suggestions: Place a memorable photo or sentiment in a silver frame. Clasp a cashmere sweater twinset with a chatelaine chain pin. Pin an opulent brooch in a rose, orchid or other flower motif on a jacket lapel or the shoulder of a satin dress. Fill a silver perfume bottle with her favorite perfume. Tuck a silver compact, mirror or makeup brush in a backpack. Present her with a fine silver chain nec

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