[rgcraig]

Originally Posted by Pastor Keith

By way this is what I posted. That led to my banning.

I am much more comprehensive in my explanation as to what I feel the scripture teaches regarding salvation.

God justifies a believer at faith/repentance
Unites a Believer with Christ and Remits Sin at Water Baptism
Regenerates a Believer upon a conscious Reception of the Holy Spirit with signs following (tongues)
Then as that believer obeys the leading of the Spirit and the Word he is sanctified and is considered Holy.
That believer will be rewarded for their faith by being Glorified at the Rapture/2nd Coming of Jesus or Death.

At what point is a believer saved or not saved?

As long as that believer is responding with faith to the commands of Jesus to repent of sin, believe his claims, get themselves baptized in water and to seek and receive the Holy Spirit, I believe that person to be right with God and if they were to die would go to heaven, the moment that Believer turns from obey the commands of Jesus to complete this process that person will be judged.

Yep, that'd do it.