Attached Link: http://www.annsartgallery.com/freeprop.html

You can create your texture with uvmapper. www.uvmapper.com Overlay your photo onto the uvmap and save that as your texture. UVmapper is used to lay out your model. Photoshop or some other good paint program will let you layer your face over the map. Save the map, load that map in Poser and see how it looks. Keep your paint program open and tweak it until you have everything sized and positioned right. And yeah, the morphs are very important too.