Fish load
Well....it really depends on what kind of fish you have. I, personally, don't subscribe to the "inches of fish per gallon" theory and here's why. It isn't so much the length of the fish in inches as it is the total mass of the fish in question. For example: What will put more bio load on a tank? Four 1" Neons or one 4" Oscar? The Oscar will because he has a much greater body mass than all four of the neons. More body mass = more waste. If, for instance, you have 8 1" fish in your 10 gal that are small, slender (Neon, White Cloud, any small tetras) bodied fish, you are probably OK although close to the limit. If, however, your fish are of the chunky variety (Goldfish, Cichlid, even Gouramis), you are probably way over the tanks biological capacity. Also, remember that many of those cute little fellas in the tanks at the pet store will grow up to be 8 inches long and eat you out of house and home. Be sure to research the fish before you buy it. One possibility for the cloudy water, especially if it happens right after a water change or after you have had your hands in the tank, is a heterotrophic bacteria bloom. I believe this was mentioned before in another post. If this is what's going on, it is harmless and will disappear as soon as the bacteria have consumed their food source.
Logan J