Student Visa Re-application. please Help Me Think This through

Hello everyone, i need u to help me consider my chances of a successful new reapplication for a student visa to study a 1 year postgrad Oil and Gas course in the UK. i was refused in june because i based the payment of my fees on projected income by july ending (post dated cheques from clients/LPOs and investments HYIPs) all totalling NGN7.4m(Capital plus Returns).
- Monthly investments wit Wealthzone and Nospetco turns in NGN274.5K.
- Other assests (shares, undeveloped plots of land, cars, LockUp shops, ) totalled NGN10.8m.
- I had a cash amt of NGN2.2m in my accts
- my consulting firm turns in an average of NGN2m annually
- and My wife turns in an average of NGN3m annually and earns NGN120k monthly from nospetco.
- my tution fee is GBP16,000.00 (@260 = NGN4.16m).
Now,
1) i have the tutuion fee from afore stated sources ready and I'm planning to reapply after paying it.
2) i also plan to state that i will not be responsible for my wife and baby daughter- that my wife will (from what she earns)
    (it counted against me when i said i would in the first application)
3) and they will be here in nigeria except for visits.(what are their chances if we change our minds and want them in UK for d period of my course after getting my visa?)


well, guys i think that is all about it please what do think?

thanks

Thanks smile76.

I presently av a constant monthly inflow of NGN274.5K from wealthzone, Sefteg and nospetco combined and it has been so 4 almost a year now. My wife has NGN120k monthly from nospetco(which is experiencing some delays now).
My on campus accomodation will be a  2-bedroom house, it costs GBP430, utilities inclusive and av paid the deposit.
I intend to run a lean office that will primarily trade in stocks while I'm away(to keep my firms bank account active asper income).
i also plan to personally invest in online stocks trading with vetiva. (NGN1m minimum)
Financially all of these should push me (us) into about NGN400-500k monthly income (almost GBP2,000.00 monthly). so i would think Finances shouldnt be a problem except if its that the sources of income are speculative.  Are they speculative?