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.
I have a 3.25 percent adjustable home equity line of credit. The draw period on the HELOC ends next April when it will convert to an amortized 20-year home equity loan at the 3.25 percent adjustable rate. I'm considering maxing out the loan. Our finances are complicated.