that example - Character and texture from FULL METAL by ilona. ilona, would have painted it on the texture map. The quick and dirty way is to find the file used for the head texture, (Render, Materials, select head, that tells you the file name). Open the texture in your favorite paint program and paint on the tat. Save, change texture in Poser, and ta-da! Someone should be along shortly to point you to a really god tutitorial on applying tattoos.