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 June 9, 2021

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?    
June 9, 2021    Sky Creek Ranch Golf Club   Blue    70.7    128    106    106    31.2    N    
May 26, 2021    The Trails of Frisco Golf Club   White    69.8    119    98    96    24.9    N    
May 12, 2021    Grapevine Golf Course - Pecan and Mockingbird   White    69.9    124    97    97    24.7    N    
May 5, 2021    The Golf Club Fossil Creek   Club    69.3    127    99    99    26.4    N    
April 28, 2021    Buffalo Creek Golf Club   White    68.1    116    86    86    17.4    Y    
April 21, 2021    Bear Creek Golf Club (West)   Blue    71.5    137    99    99    22.7    Y    
April 14, 2021    Bridlewood Golf Club   White    69.0    126    87    87    16.1    Y    
April 7, 2021    Waterview Golf Club   Gold    68.4    116    95    95    25.9    N    
March 31, 2021    Heritage Ranch Golf and Country Club   Bronze    69.0    124    98    98    26.4    N    
March 24, 2021    Texas Rangers Golf Club   Silver    68.7    122    87    87    16.9    Y    
March 17, 2021    Waterview Golf Club   White    70.7    125    93    93    20.2    Y    
March 10, 2021    Tangle Ridge Golf Club   White    69.3    128    94    94    21.8    Y    
March 3, 2021    Cowboys Golf Club   Blue    70.9    131    90    90    16.5    Y    
January 27, 2021    Pecan Hollow Golf Course   Silver    68.4    118    100    97    27.4    N    
December 9, 2020    The Courses at Watters Creek   White    70.0    126    87    87    15.2    Y    
November 18, 2020    Lantana Golf Club    White    68.7    119    94    94    24.0    N    
September 23, 2020    The Courses at Watters Creek   White    70.0    126    100    100    26.9    N    
September 22, 2020    Stonebridge Ranch Country Club (Hills) - Chisholm (1-9) and Cimmarron (10-18)   White    69.8    125    102    102    29.1    N    
August 5, 2020    Lantana Golf Club    White    68.7    119    98    96    25.9    N    
July 29, 2020    Sky Creek Ranch Golf Club   Blue    70.7    128    102    101    26.7    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:18.3500    
  Handicap Index = Average Differential rounded to tenths (maximum 54.0)              Handicap Index:18.4    
  Rounds Used = Lowest 8 out of last 20
  USGA Equitable Stroke Control (ESC) in effect from July 1, 2018 through December 31, 2019.              Low Handicap Index:17.1    06-14-2023
  World Handicap System (WHS) in effect since January 1, 2020.