Attached Link: http://www.renderosity.com/homepage.ez?Who=SnowSultan

SnowSultan has made some rather brilliant V3 sema guides. you can paint on these templates using another layer in PSP or Photoshop. http://secure.daz3d.com/shop.php?op=itemdetails&item=1098 There are also available at the bottom of the Daz3d V3 Base product page. This is the starting point for texture creation, these templates (for any object, charachter etc). painting textures is another issue all together, I'll leave that up to someone else to help with, I'm still learning to do this. hope that starts ya off :)