Whether you vigilantly make New Year's resolutions every year or not, most everyone finds themselves taking time to reflect on life with the arrival of a new year. So as you ponder your potential in 2014, we encourage you to take up one particular "to do" for the new year that is a real lifesaver: Plan your emergency preparedness kit.

According to varying reports, the average American spends anywhere from 600 to 800 hours in his or her car every year. Whether commuting to work, going out on the town, or traveling to visit friends and family this holiday season, chances are you will face some chilly winter temperatures, and maybe even harsh winter weather, in the months ahead. Is your car ready?