Could you please tell me if the first sentence in each paragraph are topic sentences.

The higher the interest rate of credit cards, mortgage or vehicles, the less cash we have in our pockets. When the interest rate of savings is higher that means more money in your pocket. If taking a loan out on something will cost more than it is worth, then the best thing to do is wait until you can afford it. If you do not have the money to buy it, then if at all possible wait until you can afford it. When companies advertise low interest rates people are more tempted to go into debt to buy the item now, but it is ridiculous to pay high interest for anything. Interest rates sometimes determine the amount a buyer can qualify for or if a buyer can qualify at all.

Lower interest rates allow more people to purchase more expensive homes. When interest rates are low it is more likely that the price will go higher. Supply and demand has a lot to do with the price juggling. Home prices tend to go up when interest rates are lower because there are more buyers, but the prices tend to drop when interest rates are higher. The best time to purchase something that has to be financed is when the market is down and the interest rates are not outrageous.

Yes.

To determine if the first sentence in each paragraph is a topic sentence, you can look for several indicators. A topic sentence typically introduces the main idea or topic of the paragraph and sets the tone for the rest of the sentences. It is often found at the beginning of the paragraph and provides a clear direction for the following sentences.

Let's analyze the paragraphs one by one:

Paragraph 1:
- "The higher the interest rate of credit cards, mortgage or vehicles, the less cash we have in our pockets." This sentence introduces the idea that higher interest rates lead to less available cash.
- "When the interest rate of savings is higher that means more money in your pocket." This sentence introduces the idea that higher interest rates on savings result in more money.
- "If taking a loan out on something will cost more than it is worth, then the best thing to do is wait until you can afford it." Here, the sentence introduces the idea that waiting to afford something is advisable if the loan cost outweighs the value.
- "If you do not have the money to buy it, then if at all possible wait until you can afford it." This sentence reiterates the previous idea and emphasizes the importance of waiting until you have sufficient funds.
- "When companies advertise low interest rates people are more tempted to go into debt to buy the item now, but it is ridiculous to pay high interest for anything." This sentence introduces the idea that low interest rates can tempt people to make impulsive purchases, but paying high interest is unreasonable.
- "Interest rates sometimes determine the amount a buyer can qualify for or if a buyer can qualify at all." Here, the sentence mentions that interest rates can play a role in determining buyer qualifications.

Based on this analysis, it appears that each first sentence in the paragraph serves as a topic sentence since they introduce the main ideas or themes for each paragraph.

Paragraph 2:
- "Lower interest rates allow more people to purchase more expensive homes." This sentence introduces the idea that lower interest rates enable more people to afford expensive homes.
- "When interest rates are low it is more likely that the price will go higher." This sentence discusses the relationship between low interest rates and higher housing prices.
- "Supply and demand has a lot to do with the price juggling." This sentence mentions the influence of supply and demand on housing prices.
- "Home prices tend to go up when interest rates are lower because there are more buyers, but the prices tend to drop when interest rates are higher." This sentence explains the relationship between home prices and interest rates, stating that prices increase with lower interest rates and decrease with higher interest rates.
- "The best time to purchase something that has to be financed is when the market is down and the interest rates are not outrageous." This sentence provides advice on the ideal time to make a financed purchase.

Similarly, in this paragraph, the first sentence in each paragraph serves as a topic sentence as they introduce the main ideas or themes for each paragraph.

Therefore, both paragraphs have topic sentences as their first sentences.