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The liquid in your dash is coolant flowing to your heater core (located just inside your dash). The reason you're hearing it flow in is because it's replacing air in the lines.
Try bleeding the air out of your system (make sure the heater's on full blast) and see if that gets rid of the noise.
As for the white smoke, it could possibly be the changing cool weather allowing the warm exhaust gas to condense, (which is also a white smoke), but I don't know what part of the country you live in so this may not be a factor.
Odds are you're leaking coolant from a line like I said earlier.
Don't worry about a warped head or other extreme causes untill you have exhausted all of the cheap, easy fixes first. Every mechanical problem should be treated in this manner IMO.
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