need help with pot odds

[snaphooks]

i'm a little confused with pot odds and could use some help.

say i hold a 9 [img]/images/graemlins/heart.gif[/img] and T [img]/images/graemlins/heart.gif[/img] and the turn comes i'm holding an inside straight draw and a flush draw. according to sklansky, since i have more than 8 out cards, i should bet or raise even though i have nothing until that last card. correct?

or, also, if i am at the turn with 4 out cards my odds are just better than 10 to 1 and the pot odds are also 10 to 1 that means i should bet or raise even though my opponent obviously has me beat at the moment?

thanks for any help.

mw