Hi Ed,
I don't really know if I can help you or not I'm pretty new here too!
The white spots could be caused by a build up of salts in your medium, you might need flush your medium with feesh clean water (not tap water)
The lumps could be caused by too much humidity (Edema)
There's a houseplant forum here you can join! I'm sure there's lots of jade fans there that could help you.
http://garden.org/forums/view/...
You could try the cactus and tender succulent forum also.
http://garden.org/forums/view/...
