-It's often helpful to use a template when creating documents that have complex graphic or layout elements such as business cards, fold-out brochures and stationary.
-Microsoft offers several useful templates of the type mentioned above for free online.
-They're ideal for simple projects, but will not be perceived as professional.
-Free Document Templates:
-MS Office templates (certificates, business cards, etc): www.office.microsoft.com/en-us/templates/default.aspx