First of all, get that document. I used it, back in the day.
1) No rules for equipment.
2) Stat gain is included. I think it's 10.
3) No rules for time.
4) A TP should be roughly in the 20 point range for the profession it's best suited for. If you go over, drop stuff. Whenever I was in the high 20s, I'd make it a lifestyle.
5) Yep.
6) Yep. I used them as proof of whether you had resume-quality authority to perform a job (diplomas, licenses, etc).