I'd always used the paper towel method myself, until a friend recently talked me into germinating straight from rockwool cubes.
Personally...I still prefer the paper towel method.
I take a couple of sheets and fold them to approximately the size of a plastic sandwich bag, soak them well, then squeeze most of the water (so it doesn't drip anymore), put the paper towel in so that when it sits inside it is folded in half with the crease at the bottom of the bag (picture a book sitting in the bag with its spine at the bottom), then put your seeds in. Zip the baggie /almost/ closed, but leave a crack so some air can still get in and out. This help hold in some humidity while allowing some air exchange.
I like to stick mine right beside my computer case (I don't use the side covers on my comp for various reasons). Its not too much heat or dry air, but I believe it does help a bit. You might find a spot like...behind your refrigerator, or under something (to block the light) and on your television. Those are both good sources of steady but low grade heat.