pot odds and knowing when to call or raise

[flipflop1970]

Here is the scenerio,

You are sitting in a 10-20 limit game, you are UTG and you limp with 98s. The flop comes As,Qc,4s. The pot has 5 bets in it since there were 3 callers (you, MP caller, and both blinds).
Now the SB checks and the BB bets. (5 bets in pot).

I know the the odds you will hit your hand by the river is 1.9-1. The odds you will actually hit your card on just the turn would be 4.2-1. Now if the Turn doesn't come with your flush card you now have the odds of 4.1-1 on the river card.

so my question is, when calling the turn card which odds do you use to determine if you have the correct odds to call?