Sounds like he's living on the West Coast of the United States. It's not San Francisco, because Bums are anyone earning less that $50,000 a year. I earn more than that, and even I feel the pinch. Scott Scott
Nice detail but what's going on with the front side glasses? They seem to be bent in an unusual way. Maybe some pinching to fix? I also agree Jet_Pilot about the images. Nice big images would do better.
I actually think the specular on the gloves and pants looks great. I think the normal map process went skewy in the face though, there just seems to be errors there. Very pinched lines among the more curved forms...
You can do it with just the normal mapped low poly if you use the mental ray renderer, use the "batch bake" to do it. I did some AO mapping on normal mapped characters this way in a pinch.
Try to get the corners of the mouth to pinch in: There's a ring of muscle around the lips which lets us pout. It's usually visible as a little bump at either side of the mouth.