I fill a small plastic bottle (16-20oz) with 2 tbsp of hydrogen peroxide and water. I shake it up and use the solution to moisten the seeds and perlite or vermiculite. If your seeds are in the plastic bag, fill it up with enough perlite or vermiculite to cover all the seeds. Pour a bit of the hydrogen peroxide and water into the bag. Swish it around so that everything is moistened. Then pour off all the excess liquid and seal the bags. Place them in the fridge. They should sprout within a couple of weeks. If they do not sprout while in the fridge, you can take them out after 3 weeks and let them sit in dark warm place and they should sprout within a week.
Germination is not a big problem for me, but fungus gnats or damping off is. Seems like I lose more seedlings to this than other problems.