Short Answer is don't, I worked for Etihad/ADAT for 2 years from 2008 thru 10. Cost of living and schooling is huge and the wages are sh!t conditions Sh!t and the country SH!T. when I left you got 16500AED a month basic for A330/340 plus housing (heard that the boys at Etihad are getting 10% this year, first pay rise fron mid 2008), which you could get a dog kennel for. and yes when I left Etihad kept accumulated OT, they only paid a max amount per month and you usually worked more so you got it as time in lieu, they don't keep their word and don't belive a thing they tell you. Goood luck If you want to go, the work hrs are long and very hot for 6 months of they year and it is not the oasis that they will tell you it is. PM if you want I will pass along my opinion if that helps you. Just remember that they own you over there.
Regards
