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.
Naturally, there are some theories. One is that theyâre a result of the natural downshifting of the nervous system that occurs as youâre falling asleep: As your breathing and heart rate slow down and your body temperature drops, your muscle tone shifts, and these twitches occur during this transition.