Upgrade to ruby 2.1.3
Revise setup instructions in README.md

* Set up local environment and clarified instructions in `README.md`
* Centralize on localhost:5000, since that's the default Foreman port
* Clearer GitHub and Stripe instructions

https://trello.com/c/TpFwhtlt/333-replicate-setup-locally-and-update-readme-me