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.
Doctors and scientists aren't really sure why they happen, but they have a few theories. One theory is that your brain misunderstands the sensation of your muscles relaxing as you drift off to sleep. It's normal for the muscles to relax, but the brain gets confused, and, for a minute, thinks you're falling. In response, the brain causes your muscles to tense up so you catch yourself before you fall down.