I think this is why I've been losing money.

Because villan (82/12 btw) bet small and checked as the first to act repectively, I figured I had some fold equity.

Is the turn bet bad? I guess I only own 30%-40% of the money I put into the pot...

Should I just take the free card on the turn when villan has already called a reraise? When I made the OESD on top of the flush draw I figure I have abot 33% equity. If I bet him all in ($4.80) I'm putting in 33% of the pot 25% if he calls. Plus I have the possiblilty that he folds. If he folds I win, if he calls I got a good price in a big pot... am I way off here?

I don't know what's up with the converter but he called and the final pot was $19.25.

Ultimate Bet No-Limit Hold'em, $.25 BB (6 handed) Hand History Converter Tool from FlopTurnRiver.com (Format: FlopTurnRiver Cards)

BB ($8.90)
UTG ($27.35)
MP ($28.50)
CO ($24)
Hero ($24.65)
SB ($12.90)

Preflop: Hero is Button with , .
1 fold, MP calls $0.25, 1 fold, Hero raises to $1.1, 1 fold, BB calls $0.85, MP calls $0.85.

Flop: ($3.40) , , (3 players)
BB bets $0.25, MP calls $0.25, Hero raises to $3, BB calls $2.75, MP folds.

Turn: ($9.65) (2 players)
BB checks, Hero bets $4.8 (All-In).

River: ($14.45) (2 players, 1 all-in)

Final Pot: $14.45

preflop is fine, the turn bet is fine, you're giving him about 3:1 to call and you're about 3:1 to make this draw. I think the flop raise is a little big. Make it $2, then check the turn.