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.