Important things to note that I forgot to include on the picture:
When going for realism the neck is nearly as wide as the head, usually.
Hip Curve usually begins just above the belly-button, not at or below it.
Elbows rest naturally just below the rib-cage.
Thighs will usually widen a tiny bit before thinning down toward the knee.
When using circles/spheres/whatever to draw the breast remember that the bewbs are actually located a little below the armpit.