CPUID is a good program to leave open to monitor your temps. RealTemp also does a good job.
Assuming you've replaced your video card, try using aftermarket cooling on it. Usually the stock coolers these days are loud and quite inefficient. You can pick up a decent one like an Accelero for $35 or so.
For CPU cooling you can look into more passive cooling like a Tuniq tower or Ninja2.
Once you have a stable PSU, look to the airflow. Make sure hot air is pushing out the right vents and cold air is pulling in through the front to flow over your drives and cards and out the back. Hold a kleenex in front of the vents to be sure.
Hope that helps!
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