Whenever I make a game, just any kind of game, I always get it right (.png if its clear, .pct if its white) but no matter what i do coldstone still shows white spots. Is it my doing something wrong or is coldstone messing up... or even Adobe photoshop?

"White spots" are pixels which are not 100% white but seem to be when viewed in the game. You can correct these very easily with a program like GraphicConverter which lets you change a single pixel to pure white which will not show.

It's not you or Coldstone messing up, but rather the art program which is leaving stray pixels somewhat off white.