Re: Engine Coolant
The important thing is whether the "water" is just a rusty brown colour or whether there's evidence of "emulsion" (oil trying to mix with water and creating a white sludge which often sticks around the area of the filler cap). If it's the former, then the cooling system just needs flushed out and filled with new coolant, a simple and cheap job which the likes of your local quick-fit will do for you if you don't feel confident in doing it yourself. If it's the latter however, then be prepared for a hefty repair bill if the cylinder head gasket needs replacing (the gasket itself is dirt cheap but it's the labour time required to fit it that's expensive!)
BigWill
P.S. NEVER put just "ordinary water" into your cooling system, make sure it is properly mixed (usually 50:50 with water) "coolant" which will make the engine run cooler, protect it from frost and stop the buildup of rust and crud inside the cooling system.
I'm sailing like a driftwood on a windy bay.