1) If you are the BB you wrote the HH down incorrectly, Im assuming "UG" means UTG and thats who V is. You went wrong calling on the flop with 2nd pair 4 kicker.
2) A bad ace once you fold the river.
3) QsJs, QsTs. You have the K
so that takes away a pile of possibilities. How often does someone overbet a river card on a bluff when the flush hits in a limped pot? Almost never.