Well, I was looking thru MSI's forums and it looks like their boards don't like Kingston memory too much. So maybe it's that.
As a "just in case" I went ahead and got me a power supply last night, up to 430. I found a website that calculates how much power you need and anothter link on the MSI forum where it details that my board needs to have the powersupply running in the 30%-70% of capacity to really work well. The minimum I needed was 316 watts. Add 30% to that and it goes up to 411 watts. I may upgrade later, so I got an Antec True 430 watt.
I got home, and sure enough, it wasn't the problem

So we've ruled out the PSU. Next is either IDE cable, the processor, or the RAM (I'm going in order as I think I saw here). I'll check the IDE cable when I get home for lunch (if I get home for lunch that is). U guys answer my question on the other thread on which is a good processor for me and in the meantime (if the IDE cable didn't work) I'll be looking for muskin memory cheap.