Mold vs. Bloom
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Sometimes it's difficult to tell whether your cigars have mold on them or are simply showing the wonderful ageing process of the tobacco.  This page should help you establish whether a great thing is going on or a bad thing.
Bloom or Plume (same meaning) is a cigar term that describes crystallization due to the rising of tobacco oils from within the cigar to the surface. The air will then dry the excretion creating the crystallized or dusty appearance. Bloom / Plume can appear slightly different on various cigars because every manufacturer will use a different wrapper leaf, filler, curing process, etc.

Cigar bloom / plume will not effect the cigar taste. The discussion, or the need for the bloom / plume, is that the cigar must be resting for a good period of time under great conditions of temperature and humidity. Meaning aging has already played a role in the cigar you are about to smoke.
Mold:
Cigar mold, like any other mold, is a fungus. Mold will generally appear on cigars when the relative humidity in the humidor surpasses 80%. Please do not get confused with the common misconception that mold is a certain color; mold can be green, blue, light yellow, and even white.

Visually cigar mold is more “fuzy” or “hairy”. If the scientist in you so wishes to see the spots up close you should really notice that there is a definitive structure to the mold. There will be stalks holding up additional spores that are waiting to “jump” and contaminate anything and everything nearby (isolate the infected cigars ASAP). Growth wise the cigar mold will grow in small clusters that causes a spotted look unlike bloom / plume that will cover the entire cigar.