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It's time to get a new water heater if:
The tank leaks, you hear a rumbling noise, the efficiency is down from where it was previously.

The toilet needs repair:
If its leaking from the tank or the base. Also, if you hear a vibrating noise when flushed.

The garbage disposal suddenly stops:
Check the plug under the sink to see if it's still plugged in the electrical outlet. If any object falls into the disposal, DO NOT attempt to remove it on your own. A plumber must be called.