No, they are not photos, they start out like the image below, without the blobs I added, and you build on it. I am a perfectionist so it takes me quite a while to get something that I would be proud to show in public.
In the pictures iv'e already shown you have to make sure nothing is out of place, like the fingers and props, ie: the veil, doesn't meld into the characters face but they sit on the character like they would in real life, and with the cameras, you have to check from every angle, front, back, left and right to make sure the character isn't a mile away from the prop, it may look like it from the front but the other angles tell another story, if any of that makes sense.
I'm self taught but I started an MSN group back in 2005 for a couple of friends to learn called Poser For Dummies, I taught from the very beginning, like how to set up your Poser program to advanced, like lighting and rendering settings etc.
It's such a fun hobby but can get expensive as you have to buy new clothing, props etc, i'm lucky as I can make most of my own with my online partners help.