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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Standard mileage rates for 2026: IRS rates and rules
The 2026 IRS standard mileage rate is 72.5 cents per mile, a flat per-mile deduction covering business, medical, military moving, and charitable driving.
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What is cost analysis? Definition and how to calculate
Cost analysis identifies all costs tied to a decision—direct, indirect, fixed, and variable—to determine financial viability and compare alternatives.
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S corp tax benefits explained
S corp tax benefits include pass-through taxation and reduced self-employment taxes by splitting owner income between salary and distributions.
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How to calculate profit margin
Profit margin measures the percentage of revenue remaining after costs. Gross, operating, and net margins each measure a different layer of profitability.
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How long do credit card refunds take?
Credit card refunds post as statement credits, not cash, and typically take 3–14 business days. Timing depends on the merchant, card network, and card issuer.
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10 critical cash flow KPIs and metrics
Cash flow KPIs measure a company's liquidity and financial health, covering metrics like operating cash flow, free cash flow, and days sales outstanding.