this one was uploaded to photobucket so it looks kinda blurry but not bad (i think) for my first time with a DSLR and my first time taking pics of people.
Its a Nikon d40 with the kit lens (18-55)
http://i234.photobucket.com/albums/ee141/2006MS6/DSC_0183.jpg[IMG]
how could i fix the over exposed water in the background though?[/QUOTE]
She's a cutie!!
But as to fixing an overexposed background, you might want to invest in a ND graduated filter. Its half tinted so bright backgrounds, such as skies or buildings (in this case surf) are toned down and somewhat properly exposed. Hard to fix a photo after its been taken, but as mentioned before, just try and blend the two photos together...