updated readme and todo

Made the summary in the readme more accurate.

added some points to the TODO that I want to get to, and some longer
term ideas about multi-plugin loading.
fixed bug in admin plugin

commands that took multiple nicks now correctly take zero nicks as an
alias for the requestor.
votd changes to the !transfer command

users with the votd.transfer permission can now issue the command
even if they're not votd (in addition to the votd)