Not that anybody asked or was wondering, but I just felt like sharing how I generally go about drawing the torso, arms, and hands.
I'm not trying to teach anything as I am still learning a lot about anatomy myself (plus this was drawn in my "less serious" style in which proportions aren't always correct).

It's not too detailed or anything, but you get the general idea. The face is the only thing I draw without guidelines. For short comics, though, I just wing it and draw everything straight out without guidelines unless a particular pose refuses to cooperate with me.

Normally the process involves a lot more frustration and endless tweaking (that little arm switch up there is an example)...but I figured this'll do for now.
And yes, when I can't figure out what to do with someone's arm/hand, I just have the hand rest on their hip... >__>;

Okato wants his money.

character belongs to me