Christians, what is the meaning of Jesus' parable about the Talents in Matthew 25:14-30?

Who is Jesus speaking to - Jewish believers or Gentile unbelievers? What is the subject matter about - is it about the Kingdom of Heaven or is it about hell? What is the significance of verses 28-30 bearing in mind this is a parable and is not literal? Does this mean believers have to work to earn their... show more Who is Jesus speaking to - Jewish believers or Gentile unbelievers?
What is the subject matter about - is it about the Kingdom of Heaven or is it about hell?
What is the significance of verses 28-30 bearing in mind this is a parable and is not literal?
Does this mean believers have to work to earn their salvation? And if they don't, they go to hell?
What does the Bible say about the rewards awaiting believers in heaven?

The reason I ask is because a pastor apparently told a Christian believer that the servant who did not put the Talent to work to earn more for his master means that believers who do not use their God-given talents in God's service will go to hell. Heaven help us from pastors like that!
Update: Very good link from Sovereign. "Summary: So the talents represent His Word, the Gospel of our Salvation. Those who sow it liberally into the hearts of their listeners find it multiplies. Where there were five, ten now appear. Where there were two, now there are four. Those who simply study it find their... show more Very good link from Sovereign. "Summary: So the talents represent His Word, the Gospel of our Salvation. Those who sow it liberally into the hearts of their listeners find it multiplies. Where there were five, ten now appear. Where there were two, now there are four. Those who simply study it find their understanding multiplies. Richer and deeper meanings appear from passages they thought were familiar. Over and over they discover that as their understanding grows their faith deepens. Those who bury it and pay no attention find its value diminishes the longer they ignore it. Not only are their friends and neighbors deprived by their lack of communication, but they themselves lose insight and understanding. Finally even what little they had is taken from them. And so the old principle “Use it or Lose it” comes back into play at the End of the Age. Keep in mind we’re talking about a time after the Church has left the Earth. The doctrine of Eternal Security expires with our departur
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