Ok I'll clear up the tech on the colors
Tortoiseshell - a blending of black/red colors.
Tortie/White - a tortoiseshell with some white (mainly on feet, belly or face)
Calico - patches of black and red (think of it as a white cat with a spot of black and a spot of red)
Torbie - a tortoiseshell cat with definate pattern of tabby (black stripes or blue stripes depending on if its a tortie or a dilute tortie). The red color in a calico or tortie will have faint striping but that is not a torbie. Or you can think of it as a tabby with tortoiseshell colors.
There are some cats that are inbetween a tortie/white and a calico. Some judges would call them a tortie/white; others a calico.
Chan - I'd call yours a calico
Jen - the picture you have is a torbie