Loan paperwork: As long as youâre still paying a loan (car, mortgage, student loan â the works), keep all your docs and contracts. When you pay off the loan, the lender will give you a payoff statement. Keep this forever, just in case some zombie debt comes back to haunt you.
There are several reasons people might twitch while trying to fall asleep. The most common kind of twitch is called a hypnic jerk. They happen on occassion, especially if a person is over-tired or sleep deprived.
The general idea is that exercises which are taxing on your cardio (heavy aerobics, MMA conditioning (which is what I do), HIIT, etc.) are not advisable shortly before sleep. This is because exercise triggers your body to produce a hormone called cortisol, which keeps you alert.