Faith is active and visible, not something that just occures "in your heart".

Rebuttal: You state that trees bending are visible faith and that the wind is the invisible belief. You state that if the trees did not bend then we would not know there is a wind. This statement is not entirely correct. A light wind will not bend the tree. The size and strength of a tree can also be a factor whether a tree will be able to withstand being bent by the wind. In short, the bending of the tree is not a requirement for the wind to exist. Faith is seated in the heart/mind as a belief. The belief was the result of considering something to be true based on faith. Acting upon a belief may demonstrate the belief but it is not a requirement for the belief to be true or evidence that it is there. After all, God knows and search our hearts. He is able to tell if one"s belief is there and true without having to see any actions to confirm it for Him. James is a book that is a favorite with people who believe we have to somehow earn our salvation. Some say that we are saved by faith but then we have to do the works to remain saved. Strange that Christ came to redeem us from the law to be saved and then place us back under bondage to the law after you believed. Perhaps you can also clarify your position? James 1:25 says why faith without works is dead and why there must be works. The verse says: But whoso looketh into the perfect law of liberty, and continueth therein, he being not a forgetful hearer, but a doer of the work, this man shall be BLESSED IN HIS DEED (my emphasis). Faith qualifies you for heaven (getting saved) and works qualifies you for rewards (believers will be rewarded differently in heaven). I am yet to see where in James it says that faith without works CANNOT save you. Faith may be dead without works and alone but it is enough to save you all by its lonesome self and that is something works cannot do. James 2:14 What doth it profit, my brethren, though a man say he hath faith, and have not works? can faith save him? Yes, faith can save him. 1 Peter 1:9 Receiving the end of your faith, even the salvation of your souls. (not the end of your faith and works or actions) 2 Tim 1:9 Who hath saved us, and called us with an holy calling, not according to our works, but according to his own purpose and grace, Matt 10:32 Whosoever therefore shall confess me before men, him will I confess also before my Father which is in heaven. 33 But whosoever shall deny me before men, him will I also deny before my Father which is in heaven. I disagree with your interpretation of Matt 10:32. Verse 32 & 33 says "Whoever" - that can be a saved or unsaved person and it is not mentioned in connection with obtaining salvation. This can apply to an unsaved or SAVED person who makes themselves guilty of denying Christ. I have met many people who confess Christ but also believe in other gods or pray to saints. Are they therefore saved because they also confessed Christ? If your interpretation is correct then it seems they are. I do not believe that. Secondly, you mention "WHITHOUT (my emphasis) confessing that Jesus is the Son of God we will not be saved" but in the same rebuttal you also state that a mute person can be saved. How does a mute person make a confession of faith? How about babies? Do all babies go to hell because they are unable to make a confession? They are also not able to believe too. Obviously there is more to the Gospel that contradicts your one sided dogmatic interpretation. 2 Cor 7:10 For godly sorrow worketh repentance to salvation not to be repented of: but the sorrow of the world worketh death. It leads you to the point where salvation is obtained. The verse says that "worketh repentance TO salvation" The means by which salvation is obtained is by faith. Titus 3:5 Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost; Salvation is a work of God Himself. You cannot assist or earn it. You can only accept it by believing. It should be clear from the verse because the AGENT of renewing (a new life that begins when you are saved) who does the work is the Holy Spirit and not man. You state "There is a too late". It is only to late when you die in your sins. The Bible says after death is the judgement, not before. Hebrews 9:27 And as it is appointed unto men once to die, but after this the judgment: If what you say is true then God"s salvation is conditional. It means you can do something while alive that can exclude you from being saved. If it is therefore conditional then it is not mercy or grace anymore. Mercy and grace is a FREE gift but if you are correct then mercy and grace is an EARNED gift because there are conditions that need to be fulfilled. Perhaps you can clarify something for me. Based on the verses you quote can you tell me if someone must be baptized to obtain salvation? It seems to me that you make a distinction to agree when the Bible talks about works is not required but then do not regard the "actions" you claim is necessary for salvation to be what is referred too when speaking of works.