Mods cant change subject headers
Not bad! Only suggest after a brief glance is that: Notice the points on the deltoid and the hip, where the polygons come to a point - you dont want to have that happen. You'd benefit from going in there and deleting those faces and replacing them with quads, it will look much smoother/nicer, and would also animate better. Even if you dont plan on animating the model, it is always good to get into a habit of modeling animation friendly! Better to get started now, rather than change your habits down the road.
Take a look at the deltoid in this character here, notice how it is made up of quads, making the overall shoulder/arm very smooth - letting it deform well.
Windows XP Pro x64 - ASUS P35 Platinum Mobo - nVidia GeForce 8800GTS 640MB GPU - Intel Core2 Duo E6750 @ 2.66GHz - 4GB DDR2 1066MHz RAM - Two Hanns-G HW194D Displays @ Duelview Configuration