I agree, it takes more than just believing in Jesus to be saved.
Believing in Him is just the very first step on our road to salvation.
Also, how does one "accept" Jesus as people say - that doesn't really make sense to me, and it is not biblical.
Acts 19:2-6 (King James Version)
2He said unto them, Have ye received the Holy Ghost since ye believed? And they said unto him, We have not so much as heard whether there be any Holy Ghost.
3And he said unto them, Unto what then were ye baptized? And they said, Unto John's baptism.
4Then said Paul, John verily baptized with the baptism of repentance, saying unto the people, that they should believe on him which should come after him, that is, on Christ Jesus.
5When they heard this, they were baptized in the name of the Lord Jesus.
6And when Paul had laid his hands upon them, the Holy Ghost came on them; and they spake with tongues, and prophesied.
I do not know anything about "accepting Jesus", but I do want Jesus to accept me.
Also, if all that a person must do is "believe on Jesus, or accept Him as their personal savior" and then they are saved forever... why does the bible speak about back-sliders? And also there are many things that the bible list that will not enter into heaven. So if a person has "accepted Jesus" and then they commit all kinds of sins (or even one of them) they cannot enter into heaven according to the Word of God.
Proverbs 14:14
The backslider in heart shall be filled with his own ways: and a good man shall be satisfied from himself.
Hosea 11:7
And my people are bent to backsliding from me: though they called them to the most High, none at all would exalt him.
This was a message to the CHURCH:
1 Corinthians 6:8-10 (King James Version)
8Nay, ye do wrong, and defraud, and that your brethren.
9Know ye not that the unrighteous shall not inherit the kingdom of God? Be not deceived: neither fornicators, nor idolaters, nor adulterers, nor effeminate, nor abusers of themselves with mankind,
10Nor thieves, nor covetous, nor drunkards, nor revilers, nor extortioners, shall inherit the kingdom of God.
So if a person has sin in their life, or if they have not lived according to the Word of God, they will not enter into the kingdom of God.
His Word is what will judge us no matter what our pastor or a friend or anyone else tells us..
John 12:48
He that rejecteth me, and receiveth not my words, hath one that judgeth him: the word that I have spoken, the same shall judge him in the last day.
Matthew 7:14
Because strait is the gate, and narrow is the way, which leadeth unto life, and few there be that find it.
If we expect to make it to heaven, it is going to cost us something, you can't just a little "sinners prayer" and expect to live your life how ever you'd like and expect to be saved.