Does $a_{n}/a_{n-1}$ converge to the golden ratio for all Fibonacci-like sequences? Yesterday a friend challenged me to prove that 
$$\lim_{n\rightarrow\infty}\frac{a_n}{a_{n-1}}=\varphi\; ,$$
where $\varphi$ is the golden ratio, for the Fibonacci series.
I started rewriting the limit as
$$\lim_{n\rightarrow\infty}\frac{a_n}{a_{n-1}}=\lim_{n\rightarrow\infty}\frac{a_{n-1}+a_{n-2}}{a_{n-1}}=\lim_{n\rightarrow\infty}1+\frac{a_{n-2}}{a_{n-1}}\; .$$
If the sequence $b_n=\frac{a_n}{a_{n-1}}$ is convergent,
$$\lim_{n\rightarrow\infty}\frac{a_{n-2}}{a_{n-1}}=\left(\lim_{n\rightarrow\infty}\frac{a_n}{a_{n-1}}\right)^{-1}\; .$$
Renaming the desired limit $x$, we obtain the quadratic equation 
$$x=1+\frac{1}{x}$$
$$x^2-x-1=0$$
if $x\neq 0$. Therefore, if $b_n$ is convergent, it must be equal to $\frac{1+\sqrt{5}}{2}$ or $\frac{1-\sqrt{5}}{2}$.
Since $a_n>0$, $b_n>0, \forall n$, so the limit must be equal to $\varphi=\frac{1+\sqrt{5}}{2}$.
This proof made me think that I didn't make use of the initial values of the sequence, so it must hold true for any sequence where $a_{n}=a_{n-1}+a_{n-2}$. The first question is, is $a_{n}/a_{n-1}$ convergent for all Fibonacci-like sequences?
The second and most intriguing for me is, is there any Fibonacci-like sequence where the limit is $\frac{1-\sqrt{5}}{2}$? Since this solution is negative, $a_n$ should change its sing with each $n$, but I couldn't find any values for $a_0$ and $a_1$, which would lead me to this case. If the answer to this question is no, what mathematical sense does this negative solution have?

One way to look at this problem is that if $a_{n+1}=a_n+a_{n-1}$, then we we have
$$\begin{pmatrix}0&1\\1&1\end{pmatrix}\begin{pmatrix}a_{n-1}\\a_n\end{pmatrix}=\begin{pmatrix}a_n\\a_{n+1}\end{pmatrix}.$$
The eigenvalues of the matrix 
$$\begin{pmatrix}0&1\\1&1\end{pmatrix}$$
are $$\dfrac{1+\sqrt{5}}{2},\dfrac{1-\sqrt{5}}{2}.$$
These have corresponding eigenvectors $v_1,v_2$ which span $\mathbb{R}^2$. This leads us to the conclusion that $$\begin{pmatrix}a_1\\a_2\end{pmatrix}=cv_1+bv_2,$$
and if $c\not=0,$ then $v_1$ will dominate the sequence, and we can show the ratios converge to $(1+\sqrt{5})/2.$ This leads us to the conclusion that if we want a Fibonacci like sequence to have ratios converging to $(1-\sqrt{5})/2$, then we must have
$$\begin{pmatrix}a_1\\a_2\end{pmatrix}=bv_2$$
for some non zero $b\in\mathbb{R}$. So to determine all such sequences we simply have to have an eigenvector $v_2$ corresponding to $(1-\sqrt{5})/2$. One such eigenvector is
$$\begin{pmatrix}1\\\dfrac{1-\sqrt{5}}{2}\end{pmatrix}.$$
