Five skills automatically start at d4 (Stealth, Notice, Persuasion, Common Knowledge, and Athletics). All other skills are 'unskilled', which typically roll as d4-2.
Because we're in a modern setting, you now get a total of 15 (instead of the default 12) points to spend to raise any skill.
So you can spend a point to raise an Unskilled skill, let's say Fighting, from d4-2, to d4. You can spend a second point to raise it to a d6, and so on. The caveat being it's one point per die increase, up to whatever your attribute die is. If trying to raise a skill past your attribute die, you have to spend 2 points. So if your Agility is a d6 (which is what Fighting is linked to), and you want to increase your Fighting to a d8, it's two skill points. If you want to raise fighting further to a d10, it's another 2 skill points.
You can take up to four total points of Hindrances. These be two Major (2 points each) or four Minor (1 point each), or mix and match however you want, 1 Major and 2 Minor for example. You can take more Hindrances if it fits your character concept, but you only ever get 4 points total in regards to using them for extra perks at character creation (new Edge, increasing your attribute die, more skill points, etc)