Hi Pam,
I think MS Publisher is great for paper newsletter creation, I personally used this in two of my previous positions for creating newsletters....loved it! I'm sure others will chime in with their preference, but for me this was the most user-friendly, uncomplicated, application to use. Basically, if are familiar with Word you can work with Publisher. Hope this helps, good luck.
BTW, I've been meaning to mention, I love your website, especially the breakdown in your pricing page, very informative, very professional.