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.
View full size image. A hypnagogic jerk is an involuntary muscle spasm that occurs as a person is drifting off to sleep. The phenomenon is so named in reference to the hypnogogic state â the transitional period between wakefulness and sleep. Hypnagogic jerks are also commonly known as hypnic jerks or sleep starts. The muscle spasms may occur spontaneously or may be induced by sound, light or other external stimuli.