Helen - if the news-letter is only a few pages I would still do it in Xara just as you mentioned - create different layers for the different pages (1-4 etc).
Then Export each layer one at a time as a PDF. After that use the free software below to combine the pdfs into one:
Download pdfedit here:
http://www.pdf995.com/download.html
note from site above: "Combine multiple (2 or more) documents into a single PDF document. This can be used to create PDF documents from multiple applications, such as Word, PowerPoint, Excel and even other PDF documents."
best regards/ David
www.vectorgraphic.co.uk
Bookmarks