Hammer, Beaver, Aardvark: The Best Way to Wager on Golf

Hammer is a way to wager on a golf match. The game has evolved through generations in several different directions. This manuscript will cover multiple ways to play Hammer but certainly not all. References will be made throughout this writing to "our game" which simply means the game I prefer and the reasons why. I have been asked many times if I could put together a list of the rules to "our game" as it has become very popular. I often get calls from players at other clubs asking for a rule interpretation. Hammer becomes a game within a game. At the time of this writing, I am a 12.5 Index golfer but I am a scratch at Hammer.