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 24, 2018

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 24, 2018    Heritage Ranch Golf and Country Club   Bronze    69.0    124    97    97    25.5    N    
October 3, 2018    Frisco Lakes Golf Club   Blue    69.8    126    90    90    18.1    Y    
September 19, 2018    Grapevine Golf Course - Mockingbird and Pecan   White    69.9    124    91    91    19.2    Y    
September 12, 2018    The Tribute at the Colony   White    69.3    115    94    93    23.3    N    
August 29, 2018    Texas Star Golf Course   White    70.1    121    98    97    25.1    N    
August 1, 2018    Tangle Ridge Golf Club   White    69.0    125    97    96    24.4    N    
July 25, 2018    Grapevine Golf Course - Bluebonnet and Mockingbird   White    69.4    121    92    92    21.1    Y    
July 11, 2018    Riverchase Golf Club   White    69.8    127    96    96    23.3    N    
July 2, 2018    Sky Creek Ranch Golf Club   Blue    70.0    124    95    95    22.8    N    
June 20, 2018    Heritage Ranch Golf and Country Club   Bronze    69.0    124    92    92    21.0    Y    
June 13, 2018    Waterchase Golf Club   White    68.2    123    109    109    37.5    N    
June 6, 2018    Sky Creek Ranch Golf Club   Blue    70.0    124    96    96    23.7    N    
May 16, 2018    Firewheel Golf Park (Bridges) - Champion and Masters   White    68.7    121    92    92    21.8    Y    
May 9, 2018    Grapevine Golf Course - Bluebonnet and Mockingbird   White    69.4    121    89    89    18.3    Y    
May 2, 2018    Riverchase Golf Club   White    69.8    127    91    91    18.9    Y    
April 25, 2018    Prairie Lakes Golf Course - Blue and White   White    69.3    122    91    91    20.1    Y    
April 11, 2018    The Tribute at the Colony   White    69.3    115    101    101    31.1    N    
April 4, 2018    Tierra Verde Golf Club   Silver    69.3    123    92    92    20.9    Y    
March 20, 2018    Canyon Creek Country Club   Gold    69.5    125    91    91    19.4    Y    
March 14, 2018    Texas Star Golf Course   White    70.1    121    96    96    24.2    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:19.8800    
  USGA Bonus for Excellence = 96%              Adjustment:0.96    
  Handicap Index = Average Differential x Adjustment truncated to tenths (maximum 36.4)              Handicap Index:19.0    
  Rounds Used = Lowest 10 out of last 20
  USGA Equitable Stroke Control (ESC) in effect since July 1, 2018.