Change options[:test_clone] default to false

* Rails 4.1.0 handles the db:test:clone by 
  default, so if you are using a version of Rails
  older than 4.1.0, make sure you set
  options[:test_clone] to true.

* Modified README.rdoc to specify the new default
  value
Merge pull request #17 from jasonnoble/change_default_test_clone_option

removes deprecation warning for db:test:clone
adds activerecord dependency of >=4.1.0

Because of the deprecation of db:test:clone and a change of default
behavior, this is to ensure that bundler only installs this version
of the gem for rails 4.1.0 and later.
replace stub! with stub

fixes deprecation message telling me to do this
bumps version to 1.1.0
updates readme with note about 1.0.x