Let's take a step back and look again at the basics here, ok?
Your fish make ammonia (waste). To keep the tank healthy, you want to remove the ammonia. That is a given.
There are multiple ways to remove that ammonia from the tank's water.
1. Change out 100% of the water on a daily basis. This works the best of ANYTHING, but is the most labor intensive and uses a tremendous amount of water.
2. Run a continuous water exchange - running a small trickle of water in and out all the time. When the volume going in is calculated to the amount of waste produced by the fish, the waste is kept to nearly zero. This is not the easiest system to put into place, but, once there is one of the easiest to maintain. It rarely uses much more water than you would use were you doing large water changes once a week.
3. Run the water of the tank/pond through a container of Zeolite (ammo-chips they are commonly called). This chemical binds ammonia in a fashion that renders it non-toxic to the fish. This system works well, but requires VERY careful attention to water parameters. Compare Zeolite to a glass full of water. As you fill it, all is fine. But when it reaches the top of the glass, it spills out - in a large waterfall. There is little to zero time between "safe" and "toxic". Zeolite can bind a finite amount of ammonia and then it STOPS. Your ammonia can build to toxic levels within hours. So VERY careful testing and tracking is required when using Zeolite. Zeolite is not particularly expensive and can be recharged using salt. This produces another pitfall with using Zeolite. When exposed to salt, it drops all the ammonia it has bound in one fell-swoop. Blam. So if it bound 5ppm ammonia over the past 3 days, and you add salt, it will release 5 ppm ammonia into the water within a minute or two - killing your fish. Salt and Zeolite DO NOT MIX - except when you are recharging the Zeolite for reuse - and this is done in a SEPARATE container.
3. Green water.... floating green algae can and will digest and remove ammonia in the water. Green water has the added benefits of size, health and color increases on the fish. Greenwater is not carefree, though, and requires a 80-90% change each and every period - usually a week.
4. Nitrogen Cycle. This is the most commonly used way of controling waste in a modern fish tank. It involves culturing a colony of two types of beneficial bacteria. Tghe first type processes the ammonia into nitrite. The second type processes the nitrite into nitrate. Nitrate is a toxin to the fish - but it requires far more nitrate to be a problem than nitrite or ammonia, so you remove the nitrate with regular water changes. This works the most cheaply and easiset of care for the majority of fish keepers. It does require a bit of work to start the colonies of beneficial bacteria growing in your filter's media, but once grown, they work well. The pitfalls are that many medications will kill or stunt the beneficial bacterial colonies. Too few bacteria and all the ammonia/nitrite will not get processed. Too cold, too hot, too low pH, etc. can retard the work of the beneficial bacteria.
USually, when we talk about "media" in your filter, we are refering to the platform that the beneficial bacteria that make up the nitrogen cycle colonate. Those bacteria will happily fasten to the glass of your tank or on the surface of your substrate or on the plant leaves, but they are happiest and do their best work when they have a constant supply of ammonia/nitrite laden water flowing past them. They need a good source of oxygen, too. By placing the media where the bacteria live in a filter that is constantly bringing ammonia/nitrite past the bacteria along with a good supply of oxygen, the bacteria will work efficiantly and happily removing toxins from your tank's water.
In the ideal filter, there is a "first stage" filteration - a mechanical removal of the large detrius that gets sucked up the intake. The bacteria do not need this. The second stage is where the media for the bacteria should be placed. Unfortunately many of the cheaper designs of HOB filters combine mechanical and biological filteration in one stage - most commonly in a floss. This floss catches the large debris from the water, as well as serves as the main living platform for your beneficial bacteria. That is fine, but it is nearly impossible to rinse clean when it gets clogged up with large waste. If you throw out the floss, you end up throwing out all your beneficial bacteria - and your cycle crashes. That is not good.
I suggest that you have at least 2 layers of media - even in a filter that is designed for only floss, you may wish to have a layer of floss for the water to pass through FIRST, then some ceramic noodles, sinterd glass, bio-balls, or some such "permanant" platform for the BB.Do not EVER throw out the hard media - it will be good for practically forever. Replace the floss as needed when it gets clogged so that the gph of the filter slows. Rinse it at every water change to remove as much waste as possible.
If you are using a nitrogen cycle to clean your fish's water, you MUST do water changes. The end result of the nitrogen cycle is nitrate. This is not good for the fishes to live in. They can tolerate some, but too much causes all kinds of problems. Water changes remove/dilute the nitrates to livable levels.
http://www.kokosgoldfish.com/Nitrates.htmlhttp://www.kokosgoldfish.invisionzone.com/...?showtopic=7981