Hi Jolene...
I don't do advertising in my newsletter, just because I want to keep it all about the residents and I figure they get enough ads on t.v. & in their local papers...grin...
I did ask residents for submissions if they wanted to, but I can tell you that became more of a headache than it was worth...people would submit things that were their point of view and I couldn't use the articles for fear of upsetting others. And there was the deadline for people to submit things that they hardly ever met...which meant that I was scrambling to fill those spaces...
I just find that if I do it all, it works better...but that's me...grin...
I do my newsletter in Publisher (MSWord)...it works great
Also, if you are interested in doing the word find in your newsletter here's the site I use...
Free Online Puzzle Maker
...it's free and so easy...the crossword puzzle doesn't work as well for me, but it might for you...
Good luck...