PETE's exactly right, UB. It is faith in Christ as one's Savior that saves, not an eternal decree saying "All of you in the group on the right come ahead."
Predestination is often seen as a divine decision about who will be saved (and who will not) but, really, it's a decision about who will receive the faith. Very much of Predestinarian theology will make sense to those who find it incomprehensible if this one fact is kept in mind.
For example, knowing this dispels the question often asked "Why bother to evangelize?" The faith comes in the same way whethe we believe in Predestination or Freewill--from hearing the Gospel. And it dispels that other question, "Why be good if it doesn't matter?" Once one becomes a believer in Christ and trusts his promises, he cannot be disinterested in living as Christ would have us live and taught us to live. That would only show us that this person doesn't have the faith in the first place, much like the lukewarm who adhere to any cause, religious or otherwise, who say with their lips that they are followers or advocates but by their actions demonstrate no commitment.