Hmm firstly i'm nt sure how appropriate your image is for the forums i expect A moderator may pop in and remove it.

Are you using a grayscale image for your bump maps? Generally the color value should left at white. Height and depth is added by variation in the greyscale image map with white being high and black being low.

 

specular relates to the shiness of an object

ambient should be black unless the item is glowing...

i suggest it might be worth looking at the quickstart and user guide for daz studio there is a sticky at the top of the forum.