Storing user specific settings

I need to store user specific settings in database.
Which is a better approach

storing them in one row with each column for each setting
Table columns in these case would be
id, user_id, setting 1, setting 2, setting 3 etc

or

storing them in many rows , with setting name and value in each row
Table columns in these case would be
id, user_id, setting_name, setting_value

Regards,
Pankaj

It depends.

Are they complex? Are they going to change? Is it just a bunch of
"name => value" pairs?

If it's something simple, without complex values, you can just have a
string column with a Hash serialized to YAML.

thanks MaurĂ­cio,
currently all of them are binary fields about 14 of them.
More may get added later.