start wuth a warm brown base and work your way up to the lighter shades of flesh , just like a topigraphical map. on the women add a bitof red to your next to lightest shade for a blush to the skin. cheeks ,throat ,clevage etc.. then apply you lightest layer of highlight to the high points of the face cheeks breasts thighs calves.
I know that tha is quick alot of time the magazine amazing figure modeler will have exellent articles.
Bryon