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 3, 2017

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 3, 2017    Ridgeview Ranch Golf Club   White    69.9    131    90    90    17.3    Y    
April 19, 2017    The Golf Club at Twin Creeks   Blue    70.1    125    96    96    23.4    N    
April 10, 2017    Stonebridge Ranch Country Club (Dye)   White    71.6    133    95    95    19.9    Y    
April 5, 2017    Buffalo Creek Golf Club   White    68.1    116    89    89    20.4    Y    
March 29, 2017    Cowboys Golf Club   Blue    70.9    131    92    92    18.2    Y    
March 22, 2017    The Tribute at the Colony   White    69.3    115    87    87    17.4    Y    
March 15, 2017    Texas Star Golf Course   White    70.1    121    97    97    25.1    N    
March 1, 2017    Bridlewood Golf Club   White    69.0    126    98    98    26.0    N    
February 22, 2017    Pecan Hollow Golf Course   Silver    68.4    118    95    95    25.5    N    
February 7, 2017    Canyon Creek Country Club   White    70.8    127    87    87    14.4    Y    
February 1, 2017    WestRidge Golf Course   White    68.6    115    88    88    19.1    Y    
January 11, 2017    Firewheel Golf Park (Old)   White    69.4    125    88    88    16.8    Y    
November 30, 2016    Pecan Hollow Golf Course   Silver    68.4    118    91    91    21.6    N    
November 28, 2016    Gleneagles Country Club (Queens)   White    69.8    129    94    94    21.2    N    
November 22, 2016    Stonebridge Ranch Country Club (Hills) - Chisholm (1-9) and Cimmarron (10-18)   White    69.8    125    88    88    16.5    Y    
November 16, 2016    The Tribute at the Colony   White    69.3    115    95    95    25.3    N    
November 9, 2016    Waterchase Golf Club   White    68.2    123    91    91    20.9    N    
October 26, 2016    Bridlewood Golf Club   White    69.0    126    83    83    12.6    Y    
October 19, 2016    Heritage Ranch Golf and Country Club   Bronze    69.0    124    100    100    28.2    N    
October 12, 2016    Hurricane Creek Country Club   White    71.0    124    99    99    25.5    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:17.2600    
  USGA Bonus for Excellence = 96%              Adjustment:0.96    
  Handicap Index = Average Differential x Adjustment truncated to tenths (maximum 36.4)              Handicap Index:16.5    
  Rounds Used = Lowest 10 out of last 20
  USGA Equitable Stroke Control (ESC) in effect since July 1, 2018.