Reena Thomas
Finance Writer and Editor
Reena Thomas, Ph.D., is a freelance finance writer and editor. With over a decade of experience in publishing, she's edited content across personal finance, healthcare, and education. Previously, she worked for Bankrate, CreditCards.com, NurseJournal, Voyager Expanded Learning, and Rockefeller University Press. She also taught as a tenure-track college English instructor after receiving her doctorate.
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Education
Reena holds a Ph.D. in English Literature from the University of Arizona. She received her Master's in English Literature from the University of Dallas, and her Bachelor's in English Literature from Cornell University.
Articles by Reena Thomas
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What is a payment processor and how does it work?
A payment processor is a service that authorizes, routes, and settles payment transactions between customers and businesses through card networks and banks.
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Equity multiplier: Formula, meaning, and examples
The equity multiplier divides total assets by shareholder equity to show how much of a company's assets are funded by debt versus equity.
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PAYDEX score: What it is and how to improve it
A PAYDEX score is a business credit score from Dun & Bradstreet, ranging from 1 to 100, that measures how reliably your business pays its bills.
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Deferred revenue journal entry: How to record unearned revenue
A deferred revenue journal entry records cash received for goods or services before they are delivered and recognizes revenue as obligations are fulfilled.
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Tail spend management: A complete guide for 2026
Tail spend management is the practice of controlling the low-value, high-volume purchases that make up 80% of transactions but only 20% of total spend.
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Vendor management: Process, benefits, and tips
Vendor management is the process of overseeing vendor relationships, from selecting partners to monitoring performance and reducing risk.