The Platinum Club is the best money I've spent on Poser! You might email DAZ and see if they accept PayPal or another form of payment besides credit card$. Making an original model, from what I've heard here in the forum, is best done in a modeling program. If you do a search, you'll turn up many, many questions on the subject, plus opinions on the best apps to use. And some are free! And several have their own forums here to go to for technical advice. To make a texture, you'll need a paint program like Photoshop or PaintShopPro. It's possible that one came with your Mac, so check, since they're expensive. And there is a texturing forum run by a real pro over at Poser Pros, if you want to check out the actual techniques used. Oh---and do sign up for the newsletters at places like here and at PoserPros and RDNA, since freebies are frequently included in them :) And Macs DO rule!