Understanding and Calculating Golf Handicap

Daniel Palmier established Boston’s UC Funds, LLC, in 2010, as a specialty finance lender emphasizing bridge, mezzanine equity, and permanent loan solutions. Under the leadership of Dan Palmier, the company has structured transactions valued at more than $1 Billion. In his time away from UC Funds, Daniel Palmier enjoys playing golf.

First-time golfers should spend their time learning and perfecting the fundamentals of the game. At some point, however, a beginner will need to learn golf’s handicap system. Golf is a unique sport in that two or more competing players do not have a direct impact on their opponent’s performance. By using the handicap system, two players at differing skill levels can engage in a fun and fair round of golf.

To calculate handicap, a player must first play 18 holes. Both the player and a friend or competitor must sign off on a scorecard following play if an individual is seeking an officially recognized handicap. The more rounds of golf a player engages in, the more accurate his or her handicap will become. The handicap system takes into account the 10 best results from a golfer’s 20 most recent outings. These 10 rounds are then averaged to a single score, which is subsequently multiplied by .96. In this way, a player’s handicap is always fairly reflective of his recent level of play. The exact calculations may seem complicated, but a public course or private club will provide assistance in keeping track.


About Dan Palmier

The founder and CEO of UC Funding, LLC, a real estate financing company focused on asset management, underwriting, and loan structuring, Dan Palmier maintains affiliation with the Commercial Mortgage Securities Association and the National Multi-Housing Council.
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