here's my suggestion, note that my experience is on windows and linux only, 
not mac, but none of these steps should be different.  This is based on a 
test app called "tom" and user named "tom"

# create the rails app with the postrges db
rails new tom -d postgresql

# create a user on your pg environment that has permission to create new 
databases, 
# is not a superuser, and cannot create other roles.  You'll be prompted for 
a password to assign
createuser -d -R -S -P tom

# edit your database.yml file with the new user/password.  Should look 
something like this:
development:
  adapter: postgresql
  encoding: unicode
  database: tom_dev
  pool: 5
  username: tom
  password: blahblah


# create the database
rake db:create

# migrate and seed the database
rake db:migrate
rake db:seed

Have fun!


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