Reena Thomas

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.

school
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

EBIT vs. EBITDA: Key differences explained

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EBIT vs. EBITDA: Key differences explained

EBIT and EBITDA both measure profitability before financing and taxes, but EBIT includes depreciation and amortization while EBITDA strips them out.
Payment processing: What it is and how it works

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Payment processing: What it is and how it works

Payment processing is the system that securely transfers funds from a buyer to a seller through payment gateways, processors, card networks, and banks.
International per diem rates 2026: A complete guide

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International per diem rates 2026: A complete guide

International per diem rates are daily allowances set by the U.S. State Department to cover lodging, meals, and incidentals during overseas travel.
Provisional credit: Definition and how it works

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Provisional credit: Definition and how it works

Provisional credit is a temporary deposit your bank issues while investigating a disputed or fraudulent transaction, protecting your cash flow during review.
Expenses vs. expenditures: Key differences explained

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Expenses vs. expenditures: Key differences explained

An expense is a cost recognized on the income statement in a specific period, while an expenditure is the act of spending money to acquire goods or services.
Types of procurement: Categories, methods, and examples

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Types of procurement: Categories, methods, and examples

Procurement is the strategic process of sourcing, evaluating, and managing suppliers to acquire the goods and services a business needs to operate and grow.