Hello Brian,
Looks like you have a bit of a rough time getting started with your aquarium. Not only are you still cycling your tank you may now also have to treat your fish already for diseases! Don't panic though, I'm sure we can help you get through this!
First off, fish, if they are only stressed may look paler but will not develop these spots unless they are actually infected with something. Stress lowers the immune-system and makes them more susceptible to diseases. These spots that you are seeing on your fish are a sign of disease!
I'm not sure if it is ich, or at least I am not sure if all of these spots look like ich. You could very well be dealing with more than one problem here. It could be ich combined with a bacterial or fungal infection. Ich spots look like grains of salt, that will fall off during the life cycle of the parasite. Some of the spots on your fish look larger and more hazy, you would need to determine if they could be a bacterial infection or fungal. Treatment would be different for each!
As to NTD, do you see any tumor like bumps in your fish's flesh, like a thickening? Do any of them seem a little twisted looking, uneven? NTD will do that since the spores settled in the flesh. If any of them die, be sure to remove them to prevent other fish from eating the infected flesh. There is no treatment for NTD and you may need to consider to euthanize the fish! Have a look at how to humanely euthanize a fish, there are several methods and it is a very personal choice for everyone!
To help you diagnose those spots I've tried to find a site that shows pictures as well as a discription:
http
/www.badmanstropicalfish.com/fish_palace/tropicalfish_disease_identification.html
As to cycling your tank, how long has your tank been set up? Even though your readings of ammonia and nitrite are perfect, please be aware that a cycled tank will have readings of NitrAte. When you measure your NitrAte levels be sure to shake, shake, shake that #2 liquid test bottle, for at least 3 minutes, shake until you feel like your arm is falling off, otherwise you will get a false reading!
If you know someone with a mature tank you could ask them if they are willing to donate some of the filter material to you to give your tank a bit of a boost! It would speed things up in the cycling process and be better for your fish!
Your pH of 7.4 will not matter to your fish once the tank is cycled, fish can adapt to the pH of your city's water. The pH is important however while you are going through the cycling process because a higher pH increases the toxicity of Ammonia in your tank. As long as you keep both Ammonia and Nitrite (not NitrAte) as close to 0 as you can you'll be fine!
Hope this helps!
