North Texas Senior Golf Association
 North Texas Senior Golf Association
 The NTSGA is a group of golfers, age 50 and up, who love the game of golf and practice the true spirit of the game.

North Texas Senior Golf Association Handicap Calculation

Handicap is Current as of October 21, 2015

Ramos, Joe Ben (forward tees since October 3, 2023)

Click on course to retrieve scorecard.

Date    Course    Tee    Rating    Slope    Gross Score    Adjusted Gross    Differential    Used?    
October 21, 2015    Tangle Ridge Golf Club   Blue    70.8    128    92    92    18.7    Y    
October 14, 2015    Sky Creek Ranch Golf Club   Gold    72.0    129    95    95    20.1    Y    
October 7, 2015    Grapevine Golf Course - Bluebonnet and Pecan   White    69.9    126    87    87    15.3    Y    
September 23, 2015    Firewheel Golf Park (Bridges) - Champion and Masters   White    68.7    121    90    90    19.9    Y    
September 2, 2015    Hurricane Creek Country Club   White    71.0    124    91    91    18.2    Y    
August 19, 2015    WestRidge Golf Course   White    68.6    115    96    96    26.9    N    
August 17, 2015    Hackberry Creek Country Club   White    72.0    130    95    95    20.0    Y    
August 12, 2015    The Tribute at the Colony   White    69.3    115    94    94    24.3    N    
July 29, 2015    Tangle Ridge Golf Club   Blue    70.8    128    99    99    24.9    N    
July 20, 2015    Stonebriar Country Club (Fazio)   White    72.4    140    100    100    22.3    Y    
July 15, 2015    The Courses at Watters Creek   White    70.0    126    94    94    21.5    Y    
June 10, 2015    Bridlewood Golf Club   White    69.0    126    83    83    12.6    Y    
May 13, 2015    Stone Creek Golf Club   White    71.0    126    99    99    25.1    N    
May 6, 2015    Grapevine Golf Course - Bluebonnet and Mockingbird   White    69.4    121    102    102    30.4    N    
April 29, 2015    Lantana Golf Club    White    68.7    119    92    92    22.1    Y    
April 22, 2015    Heritage Ranch Golf and Country Club   Bronze    69.8    132    103    103    28.4    N    
April 15, 2015    Buffalo Creek Golf Club   White    68.1    116    96    96    27.2    N    
April 8, 2015    Tierra Verde Golf Club   Silver    69.3    123    101    101    29.1    N    
March 23, 2015    Brookhaven Country Club (Masters)   Bronze    70.5    125    105    105    31.2    N    
February 18, 2015    Firewheel Golf Park (Bridges) - Champion and Masters   White    68.7    121    96    96    25.5    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:19.0700    
  USGA Bonus for Excellence = 96%              Adjustment:0.96    
  Handicap Index = Average Differential x Adjustment truncated to tenths (maximum 36.4)              Handicap Index:18.3    
  Rounds Used = Lowest 10 out of last 20
  USGA Equitable Stroke Control (ESC) in effect since July 1, 2018.