Jaguars +3.5 @ Panthers
Carolina looks great in the highlight clips and they're lighting up the stat sheet, but they've won just two of their last 18 games. Jacksonville has only won 9 during the same stretch, but there are still plenty of holes in what appears to be an improved Panthers team. Upset Special!!!Jaguars 21, Panthers 20.
49ers +3 @ Bengals
San Francisco looks like the better football team but they're traveling east over three time zones to play a 1:00 game. The 49ers secondary was shredded last week and the same thing could happen in Cincy. Bengals 24, 49ers 17.
Patriots -7.5 @ Bills
I like Ryan Fitzpatrick and the Bills offense and I've picked them twice in as many weeks. Now I'm picking them to lose. New England will put on a clinic against a Bills defense that isn't quite ready for this stage. Patriots 38, Bills 17.
Texans +4 @ Saints
This is one of those "prove it" games for the Houston Texans. They look good enough to go into New Orleans and win on paper, but I don't think it will happen on my TV screen. Don't tell anyone, but this could be a Super Bowl preview. Saints 31, Texans 24.
Giants +9 @ Eagles
The New York defensive line is simply too good to give nine points against any team, even if it is "The Dream Team." Mike Vick wasn't that great against New York last year and an injured Vick will be less effective. Eagles 27, Giants 21.
Dolphins +3 @ Browns
Upset Special #2! Little known factoid: Miami is not a bad football team. Slightly better known factoid: Cleveland isn't a very good football team. I'll take the better team with the better quarterback on the road where the Dolphins play better and points every single time. Dolphins 24, Browns 17.
Broncos +7 @ Titans
This game feels like a trap but I'll gladly fall right in. The Broncos aren't terrible and the Titans aren't as good as they showed last week. If Chris Johnson doesn't go nuts, we win this bet easily. Titans 24, Broncos 23.
Lions -3 @ Vikings
Detroit looks like a much better team than Minnesota but winning a tough division game on the road now that you have some expectations is a brand new concept for the Lions. I believe this one is close throughout, then Donovan McNabb makes a key mistake late. Lions 31, Vikings 21.
Chiefs +15 @ Chargers
Here's three reasons why I'm taking the Chiefs: 1) It's a division game. 2) We know how the Chargers play in September. 3) I like starting the game up 15-0. Chargers 27, Chiefs 14.
Jets -3 @ Raiders
Upset Special #3!!! The Jets traveling across the country and they haven't really played that well offensively in their first two games. Oakland is the more physical team and will show it. Raiders 20, Jets 17.
Ravens -4.5 @ Rams
The Rams are the best 0-2 team in football. Sam Bradford should have a good day against a suspect Baltimore secondary, but at the end of the day St. Louis will be the best 0-3 team in football. Ravens 24, Rams 20.
Falcons +1 @ Buccaneers
Free money! Atlanta is a much better football team than Tampa Bay, home or away. The good news is that the Bucs fans won't get to watch this one on television....again. Falcons 28, Bucs 17.
Cardinals -3.5 @ Seahawks
There's really not much to like about the Seahawks, especially at quarterback. I do like their fans and their home-field advantage and that should be enough to stay inside of the number. Cardinals 16, Seahawks 13.
Packers -4 @ Bears
So everyone loves the Packers and everyone thinks the Bears were a one-year wonder, right? Chicago always plays these guys tough and Sunday will be no different. Packers 20, Bears 17.
Steelers -11 @ Colts
So Kerry Collins and the Indianapolis offensive line is taking on the Pittsburgh Steelers defense. Good luck with that. Steelers 31, Colts 6.
Redskins -5.5 @ Cowboys
The Washington defense isn't terrible and an injured Tony Romo will be playing without Miles Austin and possibly without Dez Bryant. Tony will pull this out at the end, but Washington stays inside the number. Cowboys 21, Redskins 20.
Last week: 7-8-1
Charlie Bernstein is the NFL Insider for ESPN 1080 and 1040 in Orlando/Tampa and the host of "The Sports Crunch" on the Aquarius 7 Broadcasting Network (national), and Editor-in-Chief of Sports Media Interactive, covering multiple teams in the National Football League, NCAA, and National Basketball Association. Charlie covers the Jacksonville Jaguars for FoxSports and has been featured on the NFL Network and Sirius NFL Radio. Charlie is also a member of the Pro Football Writers of America. You can follow Charlie on Twitter @nflcharlie
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