You actually don't ever want to take your filter off and clean it unless something drastic happens like parasites or something. Not sure if you know about cycling a tank...I sure didn't until I came here!
I'll give you some links to read about cycling at the end, but I will try and explain it a bit too.
There is good bacteria that can develop in your tank as a result of the natural nitrogen cycle, which is basically when your fish poo it turns into ammonia, and then into nitrites which are both bad for your fish. But once you have this good bacteria in your tank, it will cause the ammonia/nitrites to turn into a less toxic substance-nitrates. The nitrates are supposed to be in your tank once it is cycled and then you keep an eye on them by testing the water, and when they get to 30 or so you change some of the water to lower the nitrates.
I didn't explain that very well... but what i am trying to say is that you want your filter to grow all that good bacteria and you don;t want to clean it out unless you absolutely have to. If the floss (looks like cotton batting) gets too gunked up and is no longer working, just pull it out and rinse it around in some used tank water, like the water you are removing during a water change. If you wash that floss or any part of your filter with chlorinated (tap) water you will kill that good bacteria that you need. Not sure if the Penguin 150 has an extra media basket (a grid looking thing), but if it does you can put extra stuff in there like ceramic cylinders odr scintered glass which will grow even more of that good bacteria. The more of that you have the easier it will be to keep your tank healthy! If the filter floss actually starts falling apart you can change it, but try and mess with your filter as little as possible. You do not need to change the cartridges monthly or whatever the package says, it just isn't necessary and will harm your cycle. There is some good bacteria that can grow in the gravel as well, but you still need to do regular gravel vaccuums, which will not hurt the good bacteria. The worst thing you can do for the cycle is to change all the water at once, wash the gravel and clean your filter. A water testing kit (ph, nitrites, ammonia and nitrates) will be your best friend while your tank cycles!
Here are those links I mentioned, as i am not doing a very good job explaining this!
http://www.kokosgoldfish.com/cycle.htmlhttp://www.kokosgoldfish.invisionzone.com/...?showtopic=7981Apologies if you already knew all that, I just like to type a lot and am generally pretty long-winded...