Traditional IRA contributions can be tax deductible or partially tax deductible based on MAGI. In 2014, an individual with a MAGI of up to $70,000 is eligible for at least partial deductibility. There are no income limits on who can contribute to a traditional IRA.
When the water heater breaks / leaks whatever the pressure tank is going to loose pressure telling the pump to come on and the pump will run continually as it can not build pressure to shut it off.
Sprinkler winterizing is a must for systems in regions where cold winter weather is likely. Water expands when it freezes, and any water trapped in a sprinkler system will put stress on the plumbing, causing cracking and breakage. If your pipes break, you will have a much more costly problem on your hands.