For the Poser people, the best way might be to use the art image as a seperate layer in Photoshop (or whatever you use) applying this over a skin texture file and make that layer about 50% opacity. I'd do this, because there will always be some color shift due to the natural hue of the skin. Otherwise it will look painted rather then like a tattoo. The next step would probably be to slightly fade the edges and then save the new image file. Apply the new texture in poser and see how it turns out. Go back and make any changes you see fit. When done, save the poser file and import into Vue. For the umbrella, I'd use UV mapper but this would have to be on a Wavfront obj. file. If you are using a Vue preset, you may be out of luck, but applying the image as a material might work with some effort.