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.
If you never remove the scale from a water heater tank the clanking or cracking noise heard at the water heater during operation may eventually cease when the scale solidifies, no longer trapping hot water and interfering with its movement upwards in the water tank.