Well finger tight is certainly not good!!
I had a spark plug get spit out the head from a mechanic not doing his job right. Quite a nice loud noise it made.
If your plug is mostly white, then either the engine is running way lean or the plug heat range is incorrect. I'd check the plug first to ensure it's the correct type.
Here's a plug from my bike after the last service.
This illustrates the typical color a plug tip shows with good fuel ratio.
The color can be a little darker, but not way dark or way light.
White is not good, and dark speckles with white indicates possible aluminum coming off the piston or overheated porcelain. Also not good.
http://i407.photobucket.com/albums/p.../sparkplug.jpg