Thank you all for your comments; for CPL filter I am using a cheap version Tiffon that I got off Amazon for $30.00. I know that I need to buy a quality filter most likely 77mm and then use step down rings; at the time of my purchase I was pretty clueless.
The horizon I completely missed, thanks for that reminder that I need to be mindful of my surroundings, not just the subject.
For PP all I did was clean up the skin discoloration, lighten and sharpen her eyes a bit, then increase the saturation of the water and sky in CS4.
Temperature was 5700 with +10
Today I bought the studio version of Portrait Professional; I know that it’s a love hate relationship here in the forums, but I am not a master of Photoshop and don’t have the time to devote to becoming one. I plan to use it sparingly for eyes, blemishes, and minor flaws as I hate the overcooked look that you can get with it.