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 May 18, 2016

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?    
May 18, 2016    Ridgeview Ranch Golf Club   Blue    71.8    133    94    94    18.9    Y    
May 11, 2016    Stone Creek Golf Club   White    71.0    126    98    98    24.2    N    
May 4, 2016    Grapevine Golf Course - Bluebonnet and Mockingbird   White    69.4    121    92    92    21.1    N    
April 27, 2016    Lantana Golf Club    Member    69.9    123    92    92    20.3    N    
April 6, 2016    Tierra Verde Golf Club   Silver    69.3    123    100    100    28.2    N    
March 23, 2016    The Golf Club at Twin Creeks   Blue    70.1    125    99    99    26.1    N    
March 21, 2016    Stonebridge Ranch Country Club (Dye)   White    71.6    133    94    94    19.0    Y    
March 16, 2016    Tangle Ridge Golf Club   Blue    70.8    128    108    108    32.8    N    
March 2, 2016    Bridlewood Golf Club   Blue    71.7    131    94    94    19.2    Y    
January 20, 2016    Waterview Golf Club   White    70.7    125    93    93    20.2    Y    
December 16, 2015    Heritage Ranch Golf and Country Club   Bronze    69.0    124    107    107    34.6    N    
December 9, 2015    Waterview Golf Club   White    70.7    125    93    93    20.2    Y    
November 24, 2015    Stonebridge Ranch Country Club (Hills) - Chisholm (1-9) and Cimmarron (10-18)   White    68.8    125    90    90    19.2    Y    
November 16, 2015    Gleneagles Country Club (Queens)   White    69.8    129    90    90    17.7    Y    
November 11, 2015    The Tribute at the Colony   White    69.3    115    91    91    21.3    N    
November 4, 2015    Waterchase Golf Club   White    68.2    123    93    93    22.8    N    
October 28, 2015    Bridlewood Golf Club   White    69.0    126    97    97    25.1    N    
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    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:18.8500    
  USGA Bonus for Excellence = 96%              Adjustment:0.96    
  Handicap Index = Average Differential x Adjustment truncated to tenths (maximum 36.4)              Handicap Index:18.0    
  Rounds Used = Lowest 10 out of last 20
  USGA Equitable Stroke Control (ESC) in effect since July 1, 2018.