I'm just starting with poser 7 and photoshop cs4. so i still have a lot to learn too. but if it was done in 2d with ps. this tutorial may help you. been reading the series myself. it's called Digital Painting and Postworking 4 at  http://www.renderosity.com/mod/bcs/index.php?ViewProduct=51580

That's easy. Try Daz Studio at http://www.daz3d.com/i/software/studio?_m=d  it's free.... but lacking in a lot of things you'll eventually want. They'll sell you all the extras you want. or you can try poser 7 at  www.Smithmicro.com or go to there content site at http://www.contentparadise.com/us/user/poser_7_english_full_version_product_25804  This one's $250 now.  They do have a trial version available too. In time, you'll probably want both. You could try looking for Poser 6. You should be able to get it for $30 to $80 depending on the content that comes with it.  Good luck