“He who believes and is baptized will be saved” (Mark  16:16) 
                The missionary John MacDonald asked the residents  of a remote Scottish island how they thought people were saved. An old man  replied, “We shall be saved if we repent, and forsake our sins, and turn to  God.” “Yes,” said a middle-aged female, “and with a true heart too.” “Aye,” said  a third, “and with prayer”; and, added a fourth, “It must be the prayer of the  heart.” “And we must be diligent too,” said a fifth, “in keeping the  commandments.” So each of the five contributed to what they thought constituted  what was required for someone to be saved, when in fact, they were describing  the Biblical fruit of salvation, not how someone obtains salvation.  
                   
                  The five, feeling that they contributed to a good  formula for how to get saved, looked expectantly at MacDonald for approval, and  saw instead, pity.  
                   
                  Believing and being baptized is so simple, all boasting  is excluded, and free grace is glorified. Supernatural  regeneration and the indwelling of the Holy Spirit is a gift of God, as is  saving faith. “For by grace you have been saved through faith, and that  not of yourselves; it is the gift of God, not of works, lest anyone  should boast. For we are His workmanship, created in Christ Jesus for  good works, which God prepared beforehand that we should walk in  them” (Ephesians 2:8–10). 
                   
                  The “beforehand” was “before the  foundation of the world” (Ephesians 1:4), so there’s no reason to boast because  you decided to be baptized.
                To be baptized is to submit to the ordinance  which our Lord instituted. The outward sign doesn’t save, but is a figure  of the sinner’s death, burial, and resurrection with Jesus, and, like the  Lord’s Supper, is not to be neglected (Romans 6:3-14).  
Reader, do you believe in Christ?  Then, dear friend, dismiss your fears, you shall be saved. Are you still an  unbeliever? Then remember, there’s only one Door, and if you don’t enter by it,  you’ll perish in your sins.
  
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