Graphics Problem and general help

I am very new to the GTA let alone the RP side of it. With that said my problem is when I first came on line with my first guy, I am having problems with layers showing thru. Then when I logged on after my first time, my arms do not show. You can see my watch but no arms. Now I fixed that the first time by hitting the numpad 9 and changing clothes. The next time I logged in, my numpad 9 is not working and I am left with running around with no arms.
So what did I screw up and can this be fixed or do I need to delete this guy and start another one?
Thank you for any help