Faith And Works. How to apply them!

This is a repeat of a show we had on the air before.  I have to be out of town tonight and thought this would be a great topic to revisit.  There are many things in the word that I feel I have a head knowledge of but not sure I have grapsed the application process.  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.  As always we do not claim to be the expert on the topic discussed.