I think you and DHK misunderstand what I am saying so I'll post here what I said to HP. So much here depends on now, before and after and we are so bound by timelines that we get hung up on them. Thank God Heaven is outside of time and is indeed eternal. For me belief is nothing unless its transformative which it then becomes faith. I may believe the polar ice caps are melting (they are not but thats not my point) and if I do nothing about it my belief is pointless. Its not the saving kind. IF I begin to reduce my carbon print then it is faith and its the saving kind. On one hand I am not transformed on the other hand I am. One saves the other does not.
Faith has an object.
It is that object that differentiates it from head knowledge.
I can look out the window and say, "I believe the sun is shining." That does not require faith, but it is factual knowledge based on observation.
"The devils believe and tremble." That is not faith. For demons have seen God and were cast out of heaven. There is no need to differentiate between saving faith and any other kind of faith. Faith is faith. Faith has an object. Belief in those things that we see, do not demand faith.
Hebrews 11:1 Now faith is the substance of things hoped for, the evidence of things not seen.
--Faith--the evidence of things not seen; not of things that are seen.
Hebrews 11:1 Now faith is assurance of things hoped for, proof of things not seen. (WEB)
--It involves hope. It is the proof of things not seen
1 John 5:14 And this is the confidence that we have in him, that, if we ask any thing according to his will, he heareth us:
--Faith is the confidence that we have in the Lord--the confidence to come right before his throne that He will hear us and answer prayer.
What is the object of your faith?
Sometimes it is my wife. That is not wrong. I have faith in my wife that she will have dinner ready for me each evening. The occasional time she doesn't because she gets sick. That doesn't mean my faith has failed. It means that man is fallible. He is not perfect. But God doesn't get sick. He is perfect. His promises are perfect. Therefore our faith in him should never waver.
I put faith in my car that when I turn the key in the ignition it will start. Why? Because I have done it many times before. But some time it will fail. Again, it is not perfect. But God is.
The faith is no different in nature. There is no such thing as a "saving faith." I put that same faith in the Lord Jesus Christ, in his promises that he will save me. And He did. He gave me eternal life and forgave my sins. He does not give an unsaved man faith. But for a saved man he does give faith. And so since that time my faith in God has grown. Faith comes by hearing and hearing by the Word of God. That promise is for believers.
If the object of my faith is Christ, I admit that he is Lord of my life; he is my master and I am his servant. That admission is going to change my life. My faith in him makes him Lord and automatically requires my submission to him.
If a man joins the army he must put his faith in the army to provide and protect him. He can't do it himself. He must submit to every ordinance that the army has.
And so it is with God's army. Fortunately there is a bit more grace in God's army than the U.S. army. There are no court martials.