Hello,
There are 6 talent points and 5 rubies for sure (maybe 6) in cash shop.
In game, "not so easy to get" rubies :
There is one talent point + one ruby with the Path of Greatness (will take you several weeks to finish).
There are 2 WM rubies in Gorluxor Tower (raid instance 45/47, easy to finish with some friends)
There's one WM ruby in City of Death (raid instance 51)
There's one WM ruby in Tep's pyramid (raid instance 55)
There may be one WM in Eclipse (raid instance 60) (to be confirmed)
There is one class ruby, long and boring quest, or easier with cash shop items
There's one PVP ruby
Other rubies are easy to get.
If you are using the calculator :
http://en.allodswiki.ru/calc/#! there will be an extra number to the base number of talent and ruby. You can get to the max (red number), and substract 6 talent points and 5 rubis (or 6).
tl;dr :
61 (62 with greatness) base talent points + 6 from cash shop
48 base rubies + 1 for greatness + 11 WM/pvp/class quest + 5 from cash shop
EDIT: with this very old and not updated talent calculator, you can see in the first talent grid how many talent points and ruby you gain with cash shop scrolls :
http://static-northfury.rhcloud.com/aocalc/#d/l