I'm rather new too actually
razz I'll try and help as best I can though.
Alrighty...
I'm glad to see that you're paying attention to the muscles of the arm, instead of just drawing sticks - it's impressive for a beginner. Try to focus on the shape of the trunk and how the shoulders move on it. The shoulders are a bit to far forward and the chest is slumped awkwardly. The hair should all flow in a way that comes from the scalp, at the moment it looks like you've just drawn it randomly.
The eyes need to be moved down further on the head and the head could be a little smaller - depending on the person's age.
If the legs were foreshortened then my lines will probably be slightly wrong, but if not then they are a bit short for the body.
That may seem like a lot to work on, but with practice you'll get it!
smile 
I hope it helps!
Also if you'd like some good anatomy books I can suggest a few for you.
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