Personally, I have problems with the whole language of 'salvation,' at least as it is conventionally used in a Reformed context. I consider myself thoroughly orthodox in most respects, but I do not think Scripture justifies the obsessive concern with the next world evinced by some churches. We simply don't know whether all people will be "saved" (as Barth and others have suggested), many (Rahner), or almost none (Calvin), but the whole question seems to me to spring from poor atonement theology. If you believe that the entire purpose of divine history is to bring Creation closer to God, the question of whether God has decreed that part of his Creation will remain eternally alienated from Him ceases to be relevant. The peril of both predestinarianism and an excessive emphasis on human agency is that it almost excludes the Cross from the picture, whereas it should be in the very centre. A plague o' both your houses! I reject both predestination AND human free-will.