Anatomy of a golf course

Golf is played on a tract of land designated as "the course". The course consists of a series of "holes." The "hole" means both the hole in the ground into which the ball is played, as well as the total distance from the tee (a pre-determinied area from where a ball is first hit) to the green (the area surrounding the actual hole in the ground). Most golf courses consist of 9 or 18 holes. (The "nineteenth hole" is the colloquial term for the bar at a club house). After the player first hits, or "strokes," the ball, he continues to do so from the fairway (where the grass is cut so low that most balls can be easily played) or from the rough (grass which is cut much longer than fairway grass, or which may be uncut) until the ball comes to rest in the hole in the ground. When the player strokes the ball, and it comes to rest in the hole, he has completed play on that hole. Skilled players require fewer strokes to hit the ball into the hole.
Many holes include hazards, namely bunkers (or sand traps), from which the ball is more difficult to play than from grass, and water hazards (lakes, ponds, rivers, etc.). Special rules apply to playing balls that come to rest in a hazard, which make it highly undesirable to play a ball into one. For example, a player must not touch the ground in a hazard with a club prior to playing a ball, not even for a practice swing. A ball in a water hazard may be played as it lies or may be replaced by dropping another ball outside the water, but a penalty is incurred in the latter case.
The grass of the putting green is cut very short so that a ball can roll easily over distances of several metres or yards. "To putt" means to play a stroke, usually but not always on the green, where the ball does not leave the ground. The direction of growth of individual blades of grass affects the roll of a golf ball and is called the grain. The hole must have a diameter of 108 mm and a depth of at least 100 mm. Its position on the green is not static and may be changed from day to day. This hole on the green has a flag on a pole positioned in it so that it may be seen from some distance, but not necessarily from the tee. This flag is often called "the pin".
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Advantages of debt consolidation
1. Reduction of average interest rate:
Taking multiple credit interest rate (which varies from one credit card to another) in to account will have a high interest when compared to one single credit interest for the whole amount with a low interest rate. So an individual may choose this option to reduce his interest rate.
2. Reduction to one credit payment:
An individual may use many credit cards and pay his bills for all the credit cards. This may need a good management technique depending up on the number of cards in use. If you use more number of credit cards then the planning need to be done more appropriately and executed timely where as if you have one credit card your job is done in a way simple and easily executable. One hence opts to shift from multiple loan payments to one loan payment program replacing all the rest.
3. Reduction of past interest or penalty charges:
One opting for debt consolidation may go for reduction of past interest or penalty charges paid for the borrowed amount under certain options. Options include high interest rate or penalty charges placed for the credited amount, when the total amount paid in the history till date exceeds the borrowed amount, or if it is a very long duration payment program going for 5 yrs or above. Under each case stated one can reduce the past interest and penalty charges or sometimes even eliminate those and pay only the amount borrowed.
4. Obtaining a payment plan:
This payment plan is given to the consumer analyzing the capability of an individual by thoroughly going through the personal needs of an individual, his responsibilities etc after which the debt consolidator restructures the existing plans taken by the consumer.
5. Becoming debt free at a faster rate:
Taking debt consolidation program relieves a person from debts at a faster rate than the usual time, which is required to come out of the debt. Following the plans given by a debt consolidator and proper execution of the plan will surely make an individual debt free and obtain high credit scores.