So far I've read no replies that help.

In your situation, when deciding whether to call, you DO take into account the amount of money that you will be putting in by calling. In the above example, you will be be putting in $4 to win $14. This is 4/14 which is about 2/7 or .23%. Even if you can guarantee yourself that there will not be a bet on the turn, you cannot call this bet.