Scratch golfers have a handicap of zero. That means they finish the course or hole on par. You'll often see golf pros with negative handicaps. That's because they are finishing the course or the hole in fewer strokes than the rest of us!

This means that with a handicap point of 0-0.5 or 0 and , half of your stake is on the 0 point handicap and the other half is on the 0.5 handicap. Example: Match: Everton v. Newcastle Line: Everton -1.75.