Guam Climate & Temperature. 1  Guam, Mariana Islands is at 1328'N, 14447'E, 75 m (247 ft). 2  Guam has a tropical wet climate (Kppen-Geiger classification: Af) with no dry or cold season as it is constantly moist (year-round rainfall).  The mean temperature is 27.5 degrees Celsius (81.5 degrees Fahrenheit).
Home equity line of credit (HELOC) A home equity line of credit (HELOC) lets you borrow up to a fixed amount, secured by the equity in your home, and withdraw your money as you need it over a specified time period. Typically, home equity lines of credit have a variable interest rate, variable term and variable monthly payment.
LEC (local exchange carrier) is the term for a public telephone company in the U.S. that provides local service. Some of the largest LECs are the Bell operating companies (BOCs) which were grouped into holding companies known collectively as the regional Bell operating companies (RBOCs) when the Bell System was broken up by a 1983 consent decree.