Once a person begins to worship the Deity of the  Lord with a trace of bhakti it is to be understood that he has sown the seed  of his own food fortune and that he is free from corrupt  ideologies.


After hours of scouring thru two large books by Bhaktivinode Thakur-Jaiva Dharma and Caitanya siksamrita-I finally found the one quote I was looking for-and that would be the above one.These two books are literally a gold mine of nectar and I wish I could read and remember them both verbatim-

“Unless one is under the shelter of a realized spiritual master, his understanding of the Supreme is simply foolishness” quote from TLC

LA July 13 1971—Prabhupāda: Unless one is prepared that “I am accepting somebody as my spiritual master. I must accept whatever he says,” if there is any doubt, that “I cannot accepthis words verbatim,” then one should not accept him as spiritual master. That is hypocrisy
  

 Chapter 8, Jaiva Dharma-Nitya Dharma and Vaisnava  Behavior-translated by Sarvabhavana das starting at pg. 110 

He begins this chapter by quoting Manu samhita 6.92 with  the 10 characteristics of religiosity. Contentment, forgiveness, not  revenging a wrong, self control, remaining in control of the mind in spite of  the presence of allurements, honesty, cleanliness, withdrawing the senses from  sense objects, scriptural knowledge, education, knowledge of the soul,  trutfulness, awareness of reality and freedom from anger, to be not angered when  provoked.Of these, 6 are characteristics directed to oneself and 4  are obligations to others. However the duty or worshipping the Supreme Lord  Sri Hari is not clearly delineated in any of these 10 characteristics.

Then he quotes SB 2.3.19 which states that “men who are  like dogs, hogs, camels and asses praise those men who never listen to the  transcendental pastimes of  Sri  Krsna, the deliverer from evils.”This is meant to distinguish ordinary moral persons, who  are on the material level, from Vaisnavas who are not in the material world. A  huge gulf of difference between the two. Now he begins to make the distinctions between kanistha  (3rd class), madhyama (2nd class) and Uttama  (1st class) devotees.

SB 11.2.47—Arcayam eva haraye, pujam yah sraddhayehate,  na tad bhaktesu canyesu, sa bhaktah prakrtah smrtah.A materialistic devotee does not purposefully study  the sastra and try to understand the actual standard of pure devotional  service. Consequently he does not show proper respect to advanced  devotees. He may however follow the regulative principles he has  learnt from his spiritual master or family tradition and worship the Deity in  the temple. He is to be considered as being on the material platform  although he is trying to advance in devotional service.Such a person is bhakta praya or bhakta abhasa, a  neophyte devotee for he is but a little enlightened about the Vaisnava  philosophy. One who worships the Deity of the Lord with faith, but neither  respects the created living creatures of the Lord nor worships and serves His  devotees with devotion is a prakrta-bhakta…To worship the Deity of the Lord  with sraddha is certainly bhakti, but without worshipping and serving the  devotee of the Lord, one cannot execute suddha –bhakti. This position of  serving the Lord but not His pure devotee can be described as being at best a  step inside the portals of the realm of bhakti. 

Now the Thakur quotes SB 10.84.13—“One who identifies his  self as the inert body composed of mucus bile and air who assumes his wife and  family are permanently his own, who thinks an earthen image of the land of his  birth are worshippable, or who see a place of pilgrimage as merely the water  there, but who never identifies himself with, feels kinship with, worships or  even visits those who are wise in spiritual truth-such a person is no better  than a cow or an ass.”The purport of these verses is that without  worshipping the Deity of the Lord, ones bhakti cannot even begin . If  one rejects the personal Deity form and enters into argumentitive debate in a  futile attempt to attain spiritual knowledge, then the heart becomes  dry and hardened and the true goal of  bhakti is lost in bewilderment. However the worship of the Deity should be  performed with ever increasing suddha cinmaya buddhi, transcendental  consciousness….If  Deity  worship is conducted with  sambandha-jnana, then the consequent transcendental understanding will  naturally stimulate bhakta-seva, spiritual service to the Lords devotees,  and the transcendental esoteric perception and service of the  Deity.When there is a perfect marriage of sraddha with  transcendental understanding then this is called sastriya-sraddha, faith based  on proper scriptural conclusions. ..One who has been initiated with the  Visnu mantra in accordance with the regulations of scripture and is worshipping  the Deity of Sri Visnu is considered a Vaisnava by the learned scholars. All  others are non-Vaisnavas. Kanistha Vaisnavas or prakrta bhaktas are those who have received initiation from hereditary kula gurus, family tradition  or those who feel sentimentally inspired upon seeing others worshipping the  Deity of Sri Visnu and so then worship the Deity in imitation, or those  who have accepted initiation into Visnu mantra with laukika sraddha (immature  faith). These unrefined devotees are on the level of chaya-bhakti-abhasa, a  shadow like semblance of bhakti. However they are above those who take a  reflective distorted semblance of bhakti  which is offensive in nature and devoid of actual Vaisnavism. A person elevated to chaya bhakti abhasa is immensely  fortunate because from thispreliminary stage he may be eventually promoted to the  madhyama Vaisnava and uttama Vaisnava platforms.These immature practitioners of chaya bhakti abhasa  however are certainly not pure devotees. They worship the Deity  with sentimental faith and their  behavior in society is inspired by the 10 religious characteristics mentioned  earlier. The scriptural injunctions that direct the conduct of an actual devotee  are not meant for these kanisthas, for they cannot even discriminate between a  devotee and a non devotee. 

SB 11.2.46-Madhyamas—“isvare tad-adhinesu, balisesu  dvbisatsu ca, prema maître krpopeksa, yah karoti sa  madhyamah”An intermediate or second class devotee called a madhyama  offers his love to the Lord, is a sincere friend to all the devotees  of the Lord, shows mercy to the ignorant people who are innocent, and disregards those who are envious of the Lord and His devotees. Naimittika-dharma (materialistic dharma) is not  addressed in this verse. The standards of devotional behavior in this verse  are part of nitya dharma.(eternal religion) In the life of a madhyama these 4  practices are the ideal and essential conduct, and other etiquettes that are not  contrary to the above 4 practices may be adopted where necessary. The conduct of  the madhyama vaisnava is differently directed towards the 4 categories of  persons-the Lord, his devotees, the ignorant and persons inimical to the Lord  and His devotees. The Mahyama directs his prema –love, towards the Lord, his  maître, friendship to the devotees, his krpa, compassion to the ignorant and  upeksa is indifferent towards the envious.As described in the verse, the first characteristic of  the madhyama is his prema for Isvara.  Prema also implies suddha bhakti to Sri Krsna.“Anyabhilasita sunyam, jnana-karmady anavrtam, anukulyena  krsnanu silanam bhaktir uttama. “One should render transcendenental loving service to the  Supreme Lord Sri Krsna favorably and without desire for material profit or gain  through fruitive activities or philosophical speculation. This is pure  bhakti.These symptoms of bhakti  just described  are first seen in the sadhana practices  of the madhyama adhikari vaisnava and extend up to the level of bhava and  finally into the blossoming of prema. Worship of the Deity  form of the Lord with immature sraddha  is the only characteristic of the kanistha practitioner. Such a person  does not display the symptoms of suddha bhakti which are anyabhilasita sunyam,  freedom from material aspiration, jnana karmady anavrtam, freedom the  inebriations of impersonalism and fruitive desire, and anuykulyena krsnanu  silanam absorption in the desire to serve Krsna favorable with transcendental  love.  As soon as the kanistha  progresses to manifest these symptoms in his heart, then he is considered to  have become a madhyama vasinava and thus a genuine vasinava. Prior to this he is  a prakrta bhakta. The word krsnanu silanam refers to krsna prema and is  qualified by the word anukulyena, favorably. Thus this combination refers to  practices that are conducive to the growth of Krsna prema. These are, as we have  said, maître, friendship with ones fellow devotees, krpa, mercy to the ignorant  and upeksa indifference to the inimical, which are also the hallmarks of a  madhyama adhikari Vaisnava. Now to the topic of the second characteristic-friendly  attitude towards his fellow surrendered devotees of the Lord.-those who are  blessed  by suddha bhakti. The  kanistha is not on the platform of suddha bhakti-that is to say he does not  serve and satisfy the pure devotees. Therefore maîtri can only be properly  extend  by the madhyama to his  fellow madhyama vaisnvavas and the higher level Uttama Vaisnavas.

In the Caitanya Caritamrta Sri Caitanya is asked by a  devotee from Kuliya grama-tell us who is actually a Vaisnava and what are his  symptoms? In response Sri Caitanya describes the characteristics of various  levels of Vaisnavas. As we have explained, the true practice of suddha bhakti is  absent in the kanistha vaisnava who is solely engaged in Deity worship with  immature sraddha devoid of sambandha jnana. The three types of Vaisnavas  worthy of service as desribed by Sri Caitanya are within the pure realms of  madhyama and uttama Vaisnavas. Pure Hari nama does not manifest on the tongue  of the kanistha vaisnava because his chanting is on the level of chaya  namabhasa, the shadow form of Harinama and therefore the kanistha vaisnava does  not warrant service. Sri Caitanya instructed the madhyama vaisnava grhastha to  serve these three types of pure Vaisnavas-Vaisnavaone who  has chanted harinama purely once: Vaisnava-tara-one who constantly chants harinama, and: Vaisnava  tama– one whose presence spontaneously inspired others to chant hari  nama.  These three grades of  Vaisnava alone are worthy of his worship. The madhyama is instructed  to serve only these three, who chant  pure harinama, not the kanistha vaisnava who chants only the shadow form of  harinama and is therefore not a suitable object of service. Only the madhyma and  uttamaVaisnavas who utter suddha nama are fit to be  served.Service to the Vaisnavas should be in accordance with  their respective levels of advancement. The word mairti encompasses association,  discussion and services. When one sees a suddha bhakta one must greet him and  offer respects immediately, give full hospitality affectionately, discuss Krsna  conscious topics with him and care for all his needs. One should serve him  properly in all these ways. One must be extremely cautious not to envy a suddha  bhakta. He should not be shown irreverence or criticized even inadvertently and  must not be disregarded because of some physical deformity or  ailment.

The third practice of the madhyama is the bestowal of  krpa upon the ignorant. The word balisa implies an ignorant person without  spiritual knowledge or an idiot, fool, etc. Gross uneducated materialists  whose false ego and strong material attachements do not allow them to cultivate  sraddha to the Lord are balisa. The balis are without correct spiritual  guidance yet fortunately they are uncontaminated by false philosophies such as  impersonal mayavada. Thus their saving grace is that they have no antipathy  towards bhakti or bhaktas. Even a so called highly learned scholar who has of  yet failed to achieve sraddha in the Lord, may be accurately characterized as a  balisa, an ignoramus. In addition there is the kanistha adhikari. Though he  is at the doorstep of bhakti, he lacks the proper grasp of sambandha jnana-thus  he is deprived of suddha bhakti. As long as this  condition persists, he is also known as  a balisa. When he faithfully acquires sambandha tattva, and begins to chant  pure harinama in the association of pure devotees, his balisatva, ignorance is  dissipated and he is elevated to the level of madhyama.  These are some of the different kinds of  balisa and it is very essential for the madhyama vaisnava to show mercy to  them. The madhyama vaisnava must deal graciously with the balis, he must ensure  that the balisa develops sraddha in pure bhakti and a taste for chanting  harinama. The unknowing balisas are uneducated in the teachings of  the scriptures and so are susceptible to falling prey to the lures of bad  company. The madhyama offers his association to instruct them. An ailing person  cannot treat himself, he needs a doctor. Just as the angry and frustrated  outbursts of a sick patient are excusable, the misdemeanors of the balisa are  also to be forgiven. That is indeed an act of mercy.The balisa may be easily diverted  from bhakti at any time, his  consciousness being clouded with misconceptions such as believing in karma  kanda, being somewhat drawn to speculative knowledge, worshipping the Deity with  ulterior motives, having faith in the yoga process, being indifferent to  association with pure Vaisnavas-something which would actually  be beneficial for him, being attached to  the rules and regulations of varnashram and so on. By administering his  association, compassion and spiritual instructions, the madhyama vaisnava can  correct the wrong views of the kanistha vaisnava and promote him to the level of  madhyama adhikari Vaisnava.Once a person begins to worship the Deity of the  Lord with a trace of bhakti it is to be understood that he has sown the seed  of his own food fortune and that he is free from corrupt  ideologies. If for no other Vaisnava characteristic then it is for  being free from the abomination of the mayavada doctrine that the kanistha  adhikari has been awarded the status of prakrta-Vaisnava, a neopohyte  materialistic Vaisnava. On the strength of his minuscule Vaisnava quality  and through the mercy of a pure devotee he is eligible to rise to the  perfectional stage of bhakti. However the genuine mercy of the madhyama adhikari  pure devotee is indispensable for the further progress of the kanistha vasinava  and by such mercy his Deity worship and chanting can quickly become purified of  their tainted shadowy nature and acquire the true transcendental  character.

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