Do we pay them off when the board pairs?

No exact hand histories.

Hand 1. 1st level of Stars $16 SNG. 3 limpers to me with Ac8c in BB.
Flop (pot 80) QT5 2 clubs. I bet 60, 1 limper calls.
Turn 7c (pot 200) completing my flush. I bet 160, limper calls.
River T, pairing the board. (pot 520). I bet 300, limper raised to 750, I called, limper showed 55 for the boat, I was crippled and proceeded to lose the thing.

Hand 2. Live SNG. 4 handed, blinds 2/4, opponent isn't out of line. I raised to 15 UTG with AcKc. BB called.
Flop Q85 all clubs (OMG imagine how I felt). I bet 25, BB check-called.
Turn a red Q. Pot was 80, BB checked, I pushed AI, a slight overbet of 100 or so in total. BB called me with 88.

Here come the obvious questions:
How should I have played these / Was there anything else I could have done?