Your camera has a meter in it to measure reflected light. Somewhere in the viewfinder (or on the LCD screen), there will be a little scale with a needle, indicating whether the camera thinks the photo to be under, or over exposed. That's the light meter indicator.
If the needle is to the left of center, it thinks the shot will be under exposed, and to the right of center, over exposed. When it's in the middle, the camera thinks the image will be perfect.
Any automatic, or semi-auto setting in your camera will choose an ISO, Aperture, and Shutter speed to make the needle in the middle of the scale. (This includes portrait mode, AV mode, and really anything except fully Manual mode.) In other words, your camera will automatically choose an exposure that it thinks is middle of the scale 'perfect'.
BUT, for a lot of pictures, having the needle in the center of the scale will actually make an under, or over exposed picture.
Why?
Because, your camera is really trying to make every picture you take an 'average' brightness. That works for a lot of pictures. But some pictures, shouldn't be an average brightness.
See, Caucasian skin is actually brighter than average, and darker skin tones like that of some African Americans can be a lot darker than average brightness.
So, when your camera chooses an exposure with the needle in the middle of the scale, the settings will make your portrait an average brightness, whether it should be or not. It will most likely make the Caucasian portrait under exposed, and the African American one over exposed.
Same thing goes for bright scenes like a snowy lawn, or a white sandy beach. Both scenes SHOULD be really bright. Much brighter than 'average'. But your camera sees them, and thinks "Whoa! That's too bright, I need to tone that down". You end up with dull, muddy looking snow, and under exposed lackluster beaches.
Anyway, the simple solution here is to use a automatic or Semi-Auto mode like AV (Aperture Priority). In AV, you choose the aperture, and let the camera choose the ISO and Shutter Speed. Then, use the Exposure Compensation setting in your camera (often called EV) to override your camera's tendency to go for an average exposure. EV forces your camera to choose settings that will be either brighter, or darker than the middle of the scale.
Alternatively, you can use the Manual setting in your camera, and choose all three exposure settings (ISO, Shutter, and Aperture). Then, use an 18% gray card to 'meter' the light.
More on using an 18% gray card with manual mode here:
http://pareandfocus.com/index.htm/how-to-use-an-18-gray-card-for-exposure/I know that's long winded, but I hope it helps!