What does it mean to have white smoke coming out the tailpipe black clumpy particles on oil level stick?

you may have a blown head gasket. if you keep driving on a car with A BLOWN HEAD GASKET it may permanently damage your engine (especially if you have aluminum heads-they'll worp). if the heads are shot, it's all over. you need to take it to a shop and have it looked at. if that is the problem and they can replace the gaskets without damage to the heads, it won't be cheap. it's a tough job.