The Balance of Faith and Works and How to apply them

Here we are in 2011 and like most of you I am looking at my life for this next year. I do not know about many of you but some things that you feel you ought to know I find that I am still not getting the point. One area of this is faith and works. Some churches make it sound like all you have to do is believe and there is no action required past that on your part to be saved. Other churches make it sound like if you stump your toe and think a bad word that you are lost. I think we have to look at scriptuire and understand first who the scripture is talking to. Then we have to look at the entire circumstance that the scripture is referring to. But that is just me. I hope that we get people of faith to share their thoughts on this topic tonight.