I have started to move away from using Microsoft Office (Word, Excel, Powerpoint, etc) in favor of online tools like Google Docs. Even as a computer consultant, I find that I use probably less than 10% of the features in any of these projects. One feature I really like in Google Docs is the easy, online file sharing that also allows you to edit simultaneously with someone else.
Today, Google Docs added some templates including business cards, brochures and more. At the moment, it looks like they are rolling out this feature over time, so you might not yet see the templates on your account. When available, you will find the templates under the New... menu item.
From Open Loops...
Today, Google quietly rolled out a new feature for their Google Docs Applications: Templates! It's so new that it isn't even listed on the new features page at this time. When one opens their Google Docs account and chooses to start a new document, a new "From Template..." command is present. Clicking on it reveals a quite extensive list of templates available for use: Calendars, Budgets, Business Cards, Letterheads, Scrapbook Albums, and Credit Card Payoff Calculators abound in this list of 308 templates, which is a much more comprehensive list than Zoho offers. The quality of these templates appears to be quiet good as well.
Unfortunately, I can find no way to create and save a document as a template. It appears to be a use-only feature at this time.