thinking about playing

Hello all!
I have several questions about making my character.
1. how many build can you spend at character creation? Because on the site it says that you can get up to 13 starting build but then in the description it says that you can only spend 10 build to start.

You get 10 build base to build a character with, but if you had, for instance, donated items or earned extra build in some other way before making said character (say by NPCing a few events) you could theoretically have 13 build to start a character with.

thank you.

nother question, what are the headband colors ???

It's answered in the rulebook.  Please read the rulebook before asking questions - that's why it's there. 

is this right?

profession: mage
race: human
start bp: 4
bought stuff:
body points x2 2 build 
lore:magic   1 build
rank 1 spell x3 3 build
first sphere  0 build
magic points x12 4 build

total mp 15
total bp 6
sphere: wizardry
build left: 0

Yeah, all your math adds up.  Looks like you got it right.