Too many focals in this one, it's easier to draw the attention to just one person, because then you don't have to look all over the place.
Just work on that first, read some of the tut's (down at the bottom) some of them are great.
And if you don't have Photoshop, I highly recommend you...uh...find a way to "acquire" it.
And for renders and stocks, try planetrenders.com