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.
Twitches while falling asleep are called hypnagogic myoclonus, myoclonus being any sort of involuntary muscle spasm and hypnagogic referring to sleep. The twitches occur during very light sleep as the conscious brain gradually relinquishes control of the motor functions.