Hi Linda,
You should check out the Winter Sowing Forum. There are lists on the FAQ and explanations of how to figure out what seeds need cold to germinate. Plus you can ask for the experiences of other gardeners on specific seeds.
A good rule of thumb is perennials that originate in the northern regions of the world need some chilling to get maximum germination. Most annuals do not need chilling.
Remy

Here is a link that might be useful: Winter Sowing Forum

Thank you very much for helping me Remy. I will check out the Winter Sowing Forum.

Once went looking for a list of seed would be harmed by the cold. I didn't find much except a few tropicals. If anyone has better information it would be welcomed.

Hi Albert,
Seeds are not harmed by cold except for a few tropical as you mentioned. Many tropical plant seeds make it through winter just fine, think annuals that reseed or vegetables like tomatoes. They are actually tropicals. Anything from a area with freezing weather is not going to be harmed by the cold.
Remy

I have found this sight invaluable for figuring out how to plant things. I also have luck googling "Germinating (what ever plants name you are looking for)". It has a lot of plants listed in the germinating tables on this site and his philosophy of germinating is very simple. I am a girl who shies away from propagators and I fall sow and let the out doors do my cold stratifying. I do find a sanding of hard shells to be a good thing.

Here is a link that might be useful: The Seed Site