removed schema_associations from channel related models
removed schema_associations from contribution, notification, payment_notification, project and project_post
removed scham_associations from remaining models
removed schema_associations from gemfile
upgraded Rails to 4.1.4
Merge pull request #759 from diogob/byebye_schema_associations

Byebye schema associations
added a messa showing user that he have credits before create a contribution [13273001]
Merge pull request #761 from devton/feature/add_credits_message_on_new_contribution-13273001

added a messa showing user that he have credits before create a contribu...
remove refund limit date [13496768]
Merge branch 'master' of github.com:catarse/catarse into bootstrap
more info about the project [13482136]
Merge pull request #763 from devton/chore/remove_refund_date-13496768

remove refund limit date [13496768]
Merge pull request #764 from devton/chore/more_info_on_finish_template_email-13482136

more info about the project [13482136]
added user_notifier gem and its configuration
adding user notification using the UserNotifier gem and moving some templates to be used by the gem
removed unused User#notify method
moved user_deactivate notification template
moved credits warning templates and fixed user_deactivate subject template
fixed observer spec
fixed user notifications