Love HBD. As you say, it will be a nice retirement account. Not that I ever plan to retire, but hopefully I can have a nice monthly interest that is more than livable so I don't have to work as much.
My only wish (a new years or christmas wish) is that it becomes easier to withdraw. As is, I change the HBD to Hive, then send to an exchange changing it to LTC, then to my bank when I can change it to yen and withdraw it. That's a lot of hops and a lot of fees. So I wish for a more direct way.
But otherwise, HBD is awesome!
Yeah for sure, the exchanges kill you when you start trying to flip LTC!