So, only one of my nasturtiums has come up (it has now been 12 days)...and none of my peppers. I think I was right, my house has been too cold and I think I planted them a bit too deep. My inexperience is definitely showing. Well...it was a nice warm day today and I turned the thermostat up and I have started some more. Hopefully with more success.
I don't feel too frustrated yet, but the warm sunny weather today probably helped.