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26 Tepid GrowTh Don’t expect major rebound in new job opportunities and pay hikes, but there will be chances of making progress 30 Time To Fly This year could be as good as any to start your own venture, damned be the economic conditions. Here’s how. 34 Friendly and Secure Thanks to new life insurance norms of 2013, look to a better experience in 2014 38 in a new Groove New norms of 2013 will surely rob you of the last reason for not doing enough to cover the family’s health risks 42 Beyond The raTeS The current high loan rates may not go down; here’s how to reduce your loan costs and exploit the developments 48 a Fix on rewardS Make the most of continuing high interest rates for fixed income options