First off don't go liquid unless you got $300 or more to spend on the system and money to spare for burnt out parts when it fails a good air system is the way to go, liquid is very unreliable.
Now your temps aren't super high a little on the hot side but not enough to damage anything. The lower the temps the longer the life is usually. Like CT said try redoing your thermal paste and see what happens. Also how is your case cooling are all your fans blowing the right way make sure because if the rear fan isn't exhausting air out your CPU will not cool rite. So re apply thermal paste check fans if none of that works try upgrading to a nice tower cooler a good one for a budget is a HYPER 212+.