When To Reload?

[rce]

I saved a little money because I hadn't reloaded. I normally reload when I'm down 20%. What do you do? I think I played the hand ok, but comments are welcome.

Full Tilt Poker
$0.05/$0.10 No Limit Hold'em Ring Game
8 Players
LegoPoker Hand Converter

<font color="black">Stack Sizes</font>
SB: $11.15
BB: $3.6
Hero (UTG): $8.20
UTG+1: $10.15
MP1: $9.65
MP2: $7.50
MP3: $7.30
CO: $10.40

<font color="black">Preflop:</font> K[img]/images/graemlins/club.gif[/img] K[img]/images/graemlins/diamond.gif[/img] ($0.15, 8 players)
<font color="red">Hero raises to $0.40</font>, <font color="red">UTG+1 raises to $1</font>, MP1 folds, MP2 folds, MP3 folds, CO folds, SB folds, BB folds, <font color="red">Hero raises to $4</font>, <font color="red">UTG+1 raises all in to $10.15</font>, Hero calls all in for $4.20
Uncalled bet of $1.95 returned to UTG+1

<font color="black">Flop:</font> 4[img]/images/graemlins/club.gif[/img] 6[img]/images/graemlins/heart.gif[/img] 5[img]/images/graemlins/heart.gif[/img] ($16.55, 2 players)
No action

<font color="black">Turn:</font> 4[img]/images/graemlins/club.gif[/img] 6[img]/images/graemlins/heart.gif[/img] 5[img]/images/graemlins/heart.gif[/img] [3[img]/images/graemlins/club.gif[/img]] ($16.55, 2 players)
No action

<font color="black">River:</font> 4[img]/images/graemlins/club.gif[/img] 6[img]/images/graemlins/heart.gif[/img] 5[img]/images/graemlins/heart.gif[/img] 3[img]/images/graemlins/club.gif[/img] [A[img]/images/graemlins/spade.gif[/img]] ($16.55, 2 players)
No action