Yeah, powerheads are on all the time. They're little electrically isolated pumps. Water flow is required for gas and nutrient exchange in your tank. Without it, your liverock wont filter well, and your corals will suffocate and die. Powerheads should ONLY be plugged in when under water. Running them dry will burn them out VERY quickly. Maxijets are good pumps, but if your LFS has Seio or Tunze pumps I'd go with those.
Sadly, lighting isn't as simple as purchasing a wattage. If you want to ultimately keep SPS (smal polyped stony) corals, anemones, and/or clams, you'll need to go with Metal Halide lighting. Probably looking at a 150watt, 175watt, or even a 250watt unit. If you are not intending on keeping those animals, T5 or Power Compact flourescents will be fine. If thats where you're going, look at getting tubes that span the length of the tank (wattage is directly proportional to length). If they're T5, try to get 4 tubes minimum, and if they're power compact try to get 2 tubes minimum. Generally a mix of color temperatures (10k daylight and 20k actinic) is what people find works best for corals longterm.