At what point are believing, repentant sinners saved? Marion Owens reports: In e-mail communications with Al Maxey he has elaborated to me somewhat on his views. If one does not receive salvation at baptism, when does he receive it? Al expressed the belief that one cannot say exactly when one has been saved. God knows, but Al suggests the person cannot be sure. As he put it, "I think we too often get bogged down over 'timing, ' especially when our God is not bound by such restraints. . . . God regards us as saved when one's heart is genuinely given over to him in loving faith. I imagine HE is aware of that happening before we are."