Losing Value if you don't bet?

Yesterday was one of those bad to worse days. Lost a few hands right away to start off in the red. I made my way back to the positive; but then proceeded to lose 5 buyins only to make about 3 of them back.

Part of the problem and it seems to be an ongoing problem is losing value; especially on river bets. Here are two hands where I tried to figure out if I should be betting / raising on river.

Villain is 49/1/6.8 guy over 70 hands.

Full Tilt Poker $0.25/$0.50 No Limit Hold'em - 9 players - http://www.thehandconverter.com/hands/130088
The Official DeucesCracked.com Hand History Converter

SB: $89.40
BB: $70.40
UTG: $53.95
UTG+1: $109.75
UTG+2: $56.00
MP1: $150.45
MP2: $53.15
CO: $50.40
Hero (BTN): $73.75

Pre Flop: ($0.75) Hero is BTN with Jd 9d
5 folds, CO calls $0.50, Hero calls $0.50, SB calls $0.25, BB checks

Flop: ($2.00) 6d Ac 5d (4 players)
SB checks, BB checks, CO bets $2, Hero calls $2, SB raises to $8, BB folds, CO folds, Hero calls $6

Turn: ($20.00) 6s (2 players)
SB checks, Hero checks

River: ($20.00) Td (2 players)
SB bets $12, Hero ??

Calling or Raising?


Hand #2

Full Tilt Poker $0.25/$0.50 No Limit Hold'em - 8 players - http://www.thehandconverter.com/hands/130091
The Official DeucesCracked.com Hand History Converter

UTG+1: $101.50
MP1: $50.00
MP2: $125.85
CO: $53.30
BTN: $45.55
SB: $76.15
Hero (BB): $50.00
UTG: $38.40

Pre Flop: ($0.75) Hero is BB with 4h 4d
1 fold, UTG+1 raises to $1.75, 5 folds, Hero calls $1.25

Flop: ($3.75) Js 4s 8s (2 players)
Hero checks, UTG+1 bets $3, Hero calls $3

Turn: ($9.75) 7d (2 players)
Hero checks, UTG+1 bets $7.50, Hero calls $7.50

River: ($24.75) Kh (2 players)
Hero checks, UTG+1 bets $21, Hero ??

Calling or Raising or Folding?

Have a nice day!!!