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 November 10, 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?    
November 10, 2021    Woodbridge Golf Club   White    68.4    120    98    98    27.9    N    
November 2, 2021    Buffalo Creek Golf Club   White    68.1    116    91    91    22.3    Y    
October 27, 2021    Texas Rangers Golf Club   Silver    68.7    122    97    97    26.2    N    
October 20, 2021    Waterchase Golf Club   White    68.2    123    94    94    23.7    Y    
October 13, 2021    Heritage Ranch Golf and Country Club   Bronze    69.0    124    101    97    25.5    N    
October 6, 2021    Woodbridge Golf Club   Blue-White    70.1    124    98    98    25.4    N    
September 29, 2021    Tangle Ridge Golf Club   White    69.3    128    100    98    25.3    N    
September 22, 2021    The Courses at Watters Creek   White    70.0    126    101    99    26.0    N    
September 15, 2021    Grapevine Golf Course - Mockingbird and Bluebonnet   White    69.4    121    97    96    24.8    N    
September 8, 2021    The Golf Club Fossil Creek   Club    69.3    127    104    103    30.0    N    
September 1, 2021    Texas Star Golf Course   White    70.1    121    100    100    27.9    N    
August 30, 2021    Diamond Oaks Country Club   White    69.3    118    92    92    21.7    Y    
August 25, 2021    Tierra Verde Golf Club   Silver    69.3    123    89    89    18.1    Y    
August 18, 2021    Sky Creek Ranch Golf Club   Blue    70.7    128    99    96    22.3    Y    
August 11, 2021    Coyote Ridge Golf Club   Blue    71.6    136    90    90    15.3    Y    
August 4, 2021    The Trails of Frisco Golf Club   White    69.8    119    96    95    23.9    Y    
July 28, 2021    Cowboys Golf Club   Blue    70.9    131    90    90    16.5    Y    
July 21, 2021    Tangle Ridge Golf Club   White    69.3    128    102    100    27.1    N    
July 14, 2021    Grapevine Golf Course - Mockingbird and Bluebonnet   White    69.4    121    96    96    24.8    N    
July 7, 2021    The Courses at Watters Creek   White    70.0    126    102    100    26.9    N    
  Differential = (Adjusted Gross Score - Course Rating) x (113 / Slope) rounded to tenths              Average Differential:20.4750    
  Handicap Index = Average Differential rounded to tenths (maximum 54.0)              Handicap Index:20.5    
  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.              Soft Cap Triggered:20.3