If I may start by going on a bit of a meta tangent:
The OP would do well to learn many of the other things mentioned herein first, like exposure, WB, composition, framing, color theory, and how to read/use ambient light
I wold say the OP would get some benefit to either take a natural light workshop or watch several youboob vids on this topic. Getting to know light is the prime directive of quality image making.
I dislike this type of comment. Usually, when someone tells me "learn about [subject]," either my attempts to do so do not answer the question at hand, or I've already learned the basics of the subject but again still don't know the answer. It's fine to tell me to learn [more] about a subject, but I'd appreciate it if you would also give me one or two sentences about what the problem is within the context of that subject.
Saying "this image is too orange" is helpful. Saying "learn about white balance and color theory and you will know what's wrong with this image and how to fix it" is not helpful.
Also, if you're going to assume I know nothing about a subject, please describe it using words and not an abbreviation. Googling "white balance" is useful; Googling "WB photography" does not get me anywhere.
In the case of white balance, I understand the concept, but I don't think I have the best eye yet for what a good balance is. (Another reason why saying "this is too orange" or "this is too green" is much more helpful.) The main purpose of this thread, as stated, was to ask whether the second two photos were off balance and/or overly saturated; 95% of the comments I've received have not been about this. Not that the comments on other subjects haven't also been helpful; but this makes it even more annoying when you just say "learn about color balance." I know what color balance is, I was
asking about color balance, and yet you haven't answered my question.
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I apologize if that sounded overly harsh. I've gotten this type of comment and been annoyed by it several times now, and I blew a bit of a gasket.
It is true that learning the basics is important, and to be clear, I am not for one minute suggesting that I don't need to learn the basics. The problem, however, is that in cases where I've
already learned the basics, it is extremely annoying when someone tells me "go learn the basics" and nothing else, because in that scenario you have effectively told me exactly nothing. It's fine when it's a general suggestion (and as to that, perhaps I was being too harsh in calling out the specific people above, and I apologize for that); but when you say "learn the basics of [subject]" in response to a specific question I've asked, you are not being helpful. Learning about a subject doesn't always mean I'm able to extract the relevant piece of information that pertains to the situation at hand, and
that is what I probably need further help with. Again, telling me to learn about a subject is fine; I just ask that this be accompanied by a one or two sentence specification of the problem assuming I've already done so. (If there is a specific photo/issue being discussed about which to specify.) If I have already learned the basics, then that specification is what you actually need to tell me; and if I haven't, then I'll be able to understand it after I do, at which point it will be immensely more helpful compared to just telling me to learn about the subject. The example I've already used is a good one; "this image is too warm" is much more helpful than simply saying "learn about white balance."
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All in all, a few people have said that the colors in these photos are
not off, which some others appear to disagree with. A bunch of other people have said that the "white balance" is off, but haven't said
how it is off. I think the only one who said how the colors are off is tirediron, who said that the greens
and the yellows are too strong in #2. I asked a follow up question about this which hasn't been answered; should I shift the image towards blue and purple (which I can do), should I decrease the color saturation, or should I do both?
With that out of the way, on to the more specific comments.
A number of people have advised me to edit a particular section of an image. I can adjust shadows and highlights, but as to "making the face lighter," I don't think the software I'm using can do that, at least not in a way that doesn't create a hard border around the area I'm editing (i.e. selecting an area in Paint Shop and then adjusting brightness/color/whatever). It's possible that I just don't know where to look though; what would such a tool be called?
Regarding white balance, I can adjust blue/orange balance and green/purple balance; is that normal/enough, or would more advanced software have more/different parameters?
Considering the problems that all of this combined can create, I'm surprised that the results were as good as they were.
in that case, I have to agree 100%; excellent results for such limited equipment.
Thank you.
#3. To me, the look is a result of using too short a lens, getting too close to the subject, and looking down; the legs and feet look odd. You are looking at the top of her foot.
Part of why the legs and feet look odd is likely because the reflector is illuminating her upper body but not her lower body, which is a fair criticism. Apart from that, I don't see the problem with her feet, what you mean by "looking at the top of her foot." The only thing I can think that is odd about her feet is that they're not pointed towards the camera; is that not valid? I believe I had her point her feet one way and then twist her upper body to face the camera so as to emphasize her hips; is that not a thing?
Background; what is that long white thing to the right of her head?
A stick. I might be able to get rid of that.
in general the key light should be in such a position that the catchlights are around the 10/2 position in the eyes.
I understand what you mean by that, but how do I accomplish it? How do I adjust the relative position of the light source so as to achieve that effect?
By my reckoning, the catchlights are currently at 9 o'clock in #1; is that right? The reflector is about level with the model I think; is the angle of the catchlights equal to the angle of the light source? So to get them at 10/2, the light source should be at a 30 degree angle?
EDIT - Are the catchlights actually important, or am I just using them as a way to gauge the angle of the light source? Are you telling me to put the light source at a 30 degree angle, and to use the catchlights to judge whether it's at that angle?
OP: I would strongly suggest saving and investing some money in (1) a decent DSLR/Mirrorless camera; (2) better software; and (3) some lighting.
(2) This is probably the next thing I'll spring for, or close to next. I have a lot more money now than I did last year.
(1) This might take longer.
(3) What kind of outdoor lighting equipment doesn't cost $200+ per light?
Again regarding "the yellows and the greens" being too strong; should I shift the image towards blue and purple (which I can do), should I decrease the color saturation, or should I do both?
#3; Is this photograph a composite?
A combination of two photos? No, why?
I can see in Photo #3 the sidewalk edge and her shin...what's going on there?
Not a clue.

Anyone have any theories?
When I get back home I'll try to imitate some of the edits people have made on #1.