Noise Ninja isn't free. You can use it as a standalone program or as a plug-in in Adobe Photoshop. It isn't a magic program that will remove all noise, but rather assist with it. For most shots at ISO 800 or lower, I don't even touch it...
You might have to go to a higher shutter speed if 1/100 isn't enough, Perry. If your hands are shaky, I would start with at least a shutter speed of 1/focal length. You're looking at least 1/105 for that lens, but since this isn't enough, I'd take a look at bumping it up to something like 1/200. My offer still stands for loaning out the 105 if you want to test it out.