The Ratio Test
A geometric series multiplies each term by the same ratio to get the next. Many other series multiply by a ratio that settles down as grows. The ratio test treats such a series as nearly geometric.
The test
Take positive terms with , and pick a number with . Eventually every ratio is below , so from some on each term is at most times the one before. Then , and the series converges by comparison with a geometric series. For terms of mixed sign, the same argument shows that converges, and a series whose sizes have a finite sum converges too. The page on absolute and conditional convergence proves that. When , the sizes of the terms eventually grow, so the terms can't approach 0 and the series diverges by the nth term test.
The test works best on factorials and on powers like , where the ratio of consecutive terms simplifies. These facts do most of the work.
When the limit is 1
Every p-series has , whether it converges or diverges, so can't decide anything. The same happens for most series built only from powers of , and for those a comparison test is the right tool.