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Go to walmart's automoptive section. Do you know about the folding wire framed fabric shields that go in people's windsheilds and that keep their car's interior from going over boiling on a hot day? They have one metallic shiny side and one dark side -- and darned if they are not exactly like some of those expensive photography store reflectors, at about a tenth of the price.
About your photos: There are some problems, but you have potential. The poses are okay, but you have some things to lear about the rest of composition and about lighting. In particular you need to look up broad and short lighting and see what they do to people's faces. In the photo, "a cluttered background," the wrong kind of lighting (broad lighting, that broadens a narrow face), combined with a bad crop, has added 50 or more pounds of weight to that lady.
In "red is beauty," it looks like you've attempted to use the rule of thirds, but have used it incorrectly, with the result that the viewer's attention is drawn to the area behind her, only to find there is nothing there. If she's on the right side of the photo, she should be facing the left side -- unless you really do want to focus the viewer's attention on something behind her. If there was a really strong wind and her hair was blowing out behind her, that might work, but there was not and it doesn't. In addition, the unfortunate location of the wrinkles in her sweater have the same effect that skin folds in the same area would if she were nude, so they make her look more plump than she is and make her torso look shorter.
Also, if you are going to do portraits, you need to either get closer (classic head and shoulders) or farther away (head to knees or full length). Environmental portraits are also an option (subject in context). The distance you are using isn't working though, and I would recomment that you back off for most of them.