I've used Microsoft Publisher for 7 years or so and it's a breeze to create flyers, post cards, etc.
In fact, there are a ton of templates freely available on the web. You can get some nice free flyer templates from the Microsoft Office web site. Basically, just fill in the blank and replace the stock photos with your own.
Although not free, I just bought a template pack from stocklayouts.com with some nice stuff. I wanted a new look. We are in the process of redesigning our logo & stock layouts has assisted us.
Scott
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"There are people who make things happen, there are people who watch things happen, and there are people who wonder what happened. To be successful, you need to be a person who makes things happen.." - James Lovell- Astronaut