Make database configuration more generic

* Set development environment as default
* Have test inherit from development and override the database name
* Remove user/pass - easier db setup for people with different usernames
* [Add min_messages for quieter logs][1]
* Add a 5s timeout

[1]: http://robots.thoughtbot.com/global-min-messages
Merge pull request #1 from joesims/ap-setup-rake

Make database configuration more generic