re: Poker & WOW.. I never realized how much I was being raked!
I have never deposited on Full Tilt and I get rakeback.
and overlays detract from your rakeback.
If 100 people play a $100 freeroll you get -$1 rakeback. If 200 play the $100 freeroll theny you get -$.50 rakeback.
Likewise, if there's a $1000 overlay and 500 players, you would get -$2 of rakeback.
Basically, the bonus money gets divided among the participants, and that is how much rakeback they will take away.
So if you are eligible for rakeback and build up -$8.50 in rakeback debt, you'll have to earn $8.50 in rakeback before you have a positive amount and start getting paid.
Another thing you need to know is that if you spend your Full Tilt Points you will take a rakeback hit as well. (Had I thought about this I would have spent all my points before applying for rakeback)
Spend all your points and play all the freerolls you can before applying for rakeback.
Rakeback is nice though. I made almost a buy-in last week (http://www.cardschat.com/f10/ftp-rush-week-178934/index3.html#post1524142), playing what was essentially hour a day (except for the first day).