Claudia I really hope you will consider studying through some of the material that I PMed you regarding. But just to answer your latest question in regard to James . . .
What you have is the word faith used. So what most of Christendom says is well if the word faith is used then it must be talking about eternal (spiritual) saving faith.
The same thing goes for the word saved. When most of Christendom sees the word "saved" they automatically assume that the passage in question is speaking of eternal (spiritual) salvation.
Unfortunately that will get one into all sorts of problems. While the word faith is used in James and the word saved/save is used in James the context of James is not eternal (spiritual) salvation. He is addressing a group of "saved" individuals. So he is addressing something other than eternal (spiritual) salvation. Those folks already had that and were not in need of further teaching on that matter. He is speaking of a faith that works in regard to something that is after eternal (spiritual) salvation.
When we compare Scripture with Scripture one does not nullify the other, but harmonizes one with another. The only way that works can harmonize with Ephesians 2:8-9, Acts 16:30-31 and Romans 4 is that it is not speaking of eternal (spiritual) salvation.
If works enters into the picture of eternal (spiritual) salvation in ANY WAY shape or form front loaded, middle loaded or back loaded then we have just made a lie out of Ephesians 2:8-9, Acts 16:30-31 and Romans 4.
Unfortunately again what Christendom has done to "fit" James into a theological bent that is workable is they say James is talking about eternal (spiritual) salvation faith in that a "real" faith will be a faith that "works." And if you don't have a faith that "works" then you aren't really saved.
That' just backloaded works salvation.
Eternal (spiritual) salvation is not based on works. It's not concerned with works before, during or after. Eternal salvation is ONLY faith in the finished work of Jesus Christ, the Lamb of God, done on behalf of the sinner. If faith is placed in that finished work and a person believes in the substitutionary death and shed blood of Jesus Christ they are saved. Period. End of dicussion, because that is where Scripture places the period and ends the discussion on eternal (spiritual) salvation.
Once the word "works" is even uttered out of someone's mouth the conversation has moved out of the realm of Spiritual salvation and into the realm of discipleship/stewardship.
Whether we like it or not or whether we agree with it or not there are going to be some folks that enter into eternity that were not fruit producers during this lifetime.
And again the problem is that Christendom thinks that we have this lifetime and then we step out into eternity. And so when we only see those two time frames then it is said well God isn't going to let non-fruit producers into heaven how can He? That would be allowing sinners into heaven.
What most of Christendom fails to realize is that there is a 1,000-year period that is between this lifetime and eternity. Where works comes into play is not for kingdom purposes not eternal purposes per se.
What has happened is that all of the warnings that are in Scripture they are real. You see them (alot of Christendom say those warnings are not for believers unfortunately), but in the past you have clearly shown that you see the warnings as warnings for believers.
And that is true. The mistake that is often made when those that see the warnings are for believers they think they have eternal ramfications, but they are kingdom ramifications.
Gotta cut it off there . . . my daughter just woke up crying

I love being a dad!