It is still difficult to get money from HIVE into your bank account. If you have friends using HIVE, you might be able to trade that $2.95 HBD for something. Google says that $2.95 HBD is worth about 10000 Uganda Shillings.
My guess is that is the price of a meal in a restaurant.
I think the real question is about what you want to do with your HIVE account. If you want to keep using HIVE. I would trade that HBD for Hive in the Internal Market.
The left side of the market lets you trade HBD for HIVE. The right side lets you trade HIVE for HBD. It is good to learn how to use this type of market. Your $2.95 HBD is worth about 11 HIVE.
If you want to continue on HIVE; you should let your HP grow. You have 45 HP. Go to the upvote calculator. Your upvote is worth $0.0005 . If you converted your HBD to HIVE and powered up, your upvote would be worth $0.0006. I have 2500 HP. The upvote I just placed on your comment is worth $0.03.
You want the HP in your account to keep increasing, so that you upvote will be worth more.
You get ten upvotes a day. Your daily upvotes give out $0.006. If you really want to shine on HIVE (or Steemit) you want to have more HP in your account; so that the value of your upvote is higher.
Anyway, if you have friends using HIVE or steemit. your best bet for selling your Hive is to trade directly with them. The exchanges charge transaction fees.
RE: How and when is powering down done on hive?