Hi, welcome to the hobby and to AA!!! You have a lot of reading ahead of you, but the good news is folks here have all asked the same questions before and can help steer you in the right directions.
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I'm trying to read through reviews of filters now and I'm more than a little swamped, so any advice on filters I'd greatly appreciate.
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Check out:
http://www.wetwebmedia.com/[acronym:1db752c755="Calcium"]ca[/acronym:1db752c755]/cav1i2/Equipment/filters.htm
http://www.cichlid-forum.com/reviews...07&sort=rating
I think that a Hang-On-Back ([acronym:1db752c755="Hang On Back"]HOB[/acronym:1db752c755]) power filter would be the easiest to maintain and cheapest option for your 20G. I highly recommend an AquaClear. You should probably shoot for something a little higher than 80GPH. I would recommend 200GPH to give you room to grow. As you can see, the price delta is not very big.
http://www.bigalsonline.com/search/?...rds1=aquaclear
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So I shouldn't need too heavy-duty a heater, at least in theory it seems.
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The rule of thumb is 5W/G so we're looking at 100W for a 20G tank. Keep in mind that you may need to raise the temp on occassion for treatment of ich for example. I woud recommend a Jager or a Visitherm Stealth heater.
Check out the AA articles on fishless cycling, and read up the fish profiles in the forums to get an idea of what you or your 8-yr old might be interested in.
www.liveaquaria.com has lots of useful pictures and profiles as well.
http://www.liveaquaria.com/product/p...cfm?pCatId=755
Clown fish are actually salt-water fish, so you could try posting in the [acronym:1db752c755="Saltwater"]SW[/acronym:1db752c755] forums as well to ask for advice. Most would recommend that you start with [acronym:1db752c755="Freshwater"]FW[/acronym:1db752c755] first as the capital investment is pretty substantial for [acronym:1db752c755="Saltwater"]SW[/acronym:1db752c755] unless you're only doing a [acronym:1db752c755="Fish only with live rock"]FOWLR[/acronym:1db752c755] tank, and you really don't want to decide that the hobby isn't for you after >$1000 invested in equipment!!! Good luck and have fun!!!