Hello AC, Thanks again for your reply.

Faith is the only variable that matters? so no repentance? confession? calling on his name or as you call it, the sinners prayer? I believe we are saved by faith, but not at the point of faith or " faith only". As Pilgrim said, you must take all scripture. I believe we are saved by an obedient Faith, not a dead faith like the 99% on this site. I was saved by faith when I was baptized. As Col2 says, " Raised with Jesus through faith..."

There were those who died and were not baptizedwho were saved. Well there were those who didn't believe in the death, burial and ressurrection of Christ and they were saved. So, does that mean we don't have to either? Under the OT you are correct....under the NT you are wrong.

There were those who got baptized and did not have faith who were not saved. Who? There are those who believe and yet are unsaved...The demons believe and tremble. James2. Anyways, a person who is baptized without faith is lost. It takes both. Jesus said, " believe and baptize shall be saved. More unsaved believers.....Saul believed on the road to damascus, and yet 3 days later he was still in his sins and had yet to call on his name.....do you waht more?

No where is a saved person baptized, if so, where? Whenever baptism and salvation are mention together, baptism always comes first.Give me that example.....

The bible does not declare only adults can be baptized, does it? It declares a person must be a believer and in Acts 8:3 it states, " and Saul was ravaging the church, and entering house after house, he dragged off men and women and committed them to prison...". What is your interpetatiom of a man? woman?

Your age? that is between you and your maker...Age2 believer? age 4? Back in Jewish time I believe a person was considered a man at the age of 20......

No scripture teaches we are saved by faith only or at the point of faith.Saved by faith? Yes that is not the question, the question is when by faith? I say baptism and you say? Baptism is part of the " law of faith" Remeber Col2 " raised by faith". were you raised by faith?

Have a great night....