Here's your homework Investing Basics: Traditional vs. Roth IRAs - Forbes
Your wording is confusing about which year you are talking about but I assume you had earned income of 30K last year (2013) and will have no earned income this year (2014). If true, you can contribute to an IRA before 4/15/2014 and create a 2013 IRA. Depending on your marital status, whether you had acess to a retirement plan or not, and your income, you may be able to deduct part of all of your contribution to a traditional IRA. Since you are over 59.5 yo,
you can withdraw funds w/o a penalty but will have to pay taxes on any withdrawal.
You can call VG and ask about how to open an account. I did it by mail so don't now about via the phone.