dotfiles should be ignored

Noticed this using, backbone-stash. This was entirely puzzling to me when I first saw it. I would edit a file in vi, and once I opened it I could no longer start my application.

```
SyntaxError: Unexpected token ILLEGAL
at Object.parse (native)
at [object Object]._load (/..../node_modules/backbone-stash/node_modules/stash/stash.js:102:32)
```

The issue appears to be that backbone-stash is trying to load up vi's swp files. We should at stronger checks for what files we load and always ignore dotfiles.