Redo new with guard and rspec instead of test_unit

- made a backup of Gemfile, removed * and did `rails new . -T` to skip test_unit


- added guard and rspec following http://girders.org/blog/2014/02/06/setup-rails-41-spring-rspec-and-guard/
  - includes some Gemfile changes and specifying rspec in the Guardfile
  - generated binstubs for spring. Binstubs is a thing in rails now. in bin there are wrappers for executables so bin/rails is like bundle exec rails
- in .rspec, commented out  --warnings and added --format documentation
- generated a simple scaffold and guard seems be watching. Ctrl-d to stop, `guard` to start.