I have found that the jade plant is losing a lot of leaves and branches. Some have even shriveled up. Some of the leaves have a substance on top and some even have holes in them. I live in Wisconsin, so it is very cold and not a lot of sunlight. I have a very large radiator and I am wondering if the humidity is affecting the plant. I have done some research and there is some water, baking soda and garlic mixture but I don't want to put it through something that will only make it worse. Thank you very much.