Shiva

I'd like to start a small business and design newsletters and the likes. I
read the EULA for the Publisher and there are issues that are not clear yet.
I hope somebody can provide me with an explanation that can help me make a
decision: whether to use Publisher to produce my work or not.
I understand the copyright issue on the templates, but if you modify them,
using them as startpoint or frame work if you prefer, can I sell them to my
prospects?
And if not, what about using the blank publication, and make a design from
scratch? Would that still be considered a template that cannot be sold?
And if all of the above fails and nothing can be sold, can you suggest any
software that would enable me to design publications and the likes?
Thank you for your attention and time.
--
Shiva