A lot of new reloaders tend to ignore the advice in the reloading books, you see their posts on various message boards where they have just started loading and went right to the maximum loads listed in the reloading books.
Reloading books list their loads in different ways, some only give the maximum loads and advise to start at 10% lower, and some others list a starting load and a max load, if there is a starting load, use it!
If there is only one load listed, start at 10% LESS
, and as mentioned, don't go to max loads in cold weather, it might cause a problem when the weather gets hot.
One of the major things, get a good reloading book and read it!
Here's a good one and it's a new edition, so it's up to date: http://www.midwayusa.com/eproductpage.exe/showproduct?saleitemid=438424