i have followed the posts on this blog and i find it exciting.i howvere want to share my own experience and maybe it will help other applicants.i must say that my personal experience does not conform to most of the posts herebey posited.
i just picked up my 2 year multiple entry tourist visa to the uk.i applied with my wife and we were both succesful.
contrary to most of tha advices here,my account had 593,000 naira as balance.my wife had 67,000 as balance.
we got the visas after 3 weeks.
i only started travelling abroad last year but i have gone to the usa and the uk since june last year and now.
on my first application last year ,i had only 300,000 naira balance in the my salary account.

i was denied in 2008 december.i was earning 183,000 that year.
had 67,000 in one account and 50,000 in my savings account.
the ECO said it can only buy a return ticket and my IV letter was of unproven circumstance.
i lost faith and was angry until someone encouraged me to apply last year and was successful.
later,in augist,i took my 3 children and wife and was also succesful.
so there may not be a straightjacked response as we think.

i have stopped doing invitation letters since the status of your invitee.
i do hotel bookings all the way.

once again,i am so impressed with this blog.