improves rubygems setup (tested on ubuntu and opensuse)

Squashed commit of the following:

commit 0f90452095c1d6fc8feb5996bd9540ca890b8162
Author: Conor Schaefer <conor.schaefer@gmail.com>
Date:   Mon Apr 14 12:19:54 2014 -0400

    makes gemrc much more verbose

commit c27fceb46abc2bacbd47a342d60add717cfe77d3
Author: Conor Schaefer <conor.schaefer@gmail.com>
Date:   Mon Apr 14 12:16:56 2014 -0400

    adds GEM_HOME export to ENV

commit b2583a4082edde36ecdc5e90b8ba0d6452b4c020
Merge: f137fcc 66848e3
Author: Conor Schaefer <conor.schaefer@gmail.com>
Date:   Wed Mar 26 13:05:33 2014 -0400

    Merge branch 'master' of github.com:ronocdh/dotfiles

commit f137fcc7adfbac37bc5dd9e4440c95a6df2595f0
Author: Conor Schaefer <conorsch@seas.upenn.edu>
Date:   Wed Mar 26 13:03:20 2014 -0400

    adds gethtmlformfields() function

commit 3f90c444ceb1fb2d2460b22c72a0d94843ffd5e2
Author: Conor Schaefer <conorsch@seas.upenn.edu>
Date:   Wed Mar 26 13:02:49 2014 -0400

    removes odd md() function
Merge branch 'master' of github.com:ronocdh/dotfiles