Taking the COLTS. Man on man. If I knew Matt Ryan and Taylor were back last week, I would never had bet the Raiders. This is the problem getting down on games on early. When someone say, yeah this is our guy going forward. And then a new guy says nope. Anyway. We lost. We move on. But we will grab the points here. Taylor is the difference maker for Indy. They play decent defense. The OL was a mess. This is a team that beat KC here back in September. They can win. Eagles on a short week. Now. Is the sky falling - of course not. But for 2 straight weeks they have allowed RBs to get yards. And this guy is the best of the bunch. I think this is a low score slug fest. 4* Money Maker INDIANAPOLIS COLTS

4* Money Maker BUFFALO BILLS

4* Money Maker HAWAII

Taking UTAH. Will grab the Utes here and will take a little ML as well. Ducks off a terrible loss last game. And honestly, I don't think they have the heart to come back here. 8 in a row after Georgia ate their lunch to open the year. But that one last week - a crusher. They needed to win out to have any hopes and probably need some other help to get into the playoffs. All down the drain now. Plus. The fans. How the heck is this stadium going to pumping. They had their life sucked out of them last week? And Utah. Man. I like this team. My pick to win the PAC 12. Last year 38-7 and then 38-10 in a span of 3 weeks Utah crushed these guys in a pretty convincing manner. Utes in off a 42-7 cake walk over Stanford. Let's make it 3 straight in the series. 4* Money Maker UTAH

Taking IOWA. 3 straight wins overall for the Hawkeyes. Finding a little offense to go with a pretty good defense. They are on a 5-1-1 ATS run vs Minny that helps. Gophers will try to run. The total is 32. They have no QB. Shocked they are even favored, but they do have a great RB. That being said, the Iowa defense gives up less than 100 ypg on the ground. Won't be shocked at an outright win this afternoon. 4* Money Maker IOWA  

Taking the JAYHAWKS. Look. I like Texas. And they are in all their losses. But they lose. They find ways to lose. This is a total flat spot for them off that TCU game. And to lay this many points. Come on. Longhorns last 4 games (2-2 SU 1-3 ATS) all 7 point margins. Kansas beat these guys in Texas last year 57-56 in OT. You think they are scared of them here. Plus. Big coaching edge. I have said before about Sark. Guy can not win a big game. Kansas program turning the corner.  4* Money Maker KANSAS

Taking APPALACHIAN STATE. Where did OD come up with 49 to beat Coastal? They have scored 43 in their last 4 games! 3-0-17-23. That is a downward spiral. The Mountaineers have put up at home scores of 42-3 over Robert Morris - 42-17 over Georgia State and 49-0 over the Citadel. And honestly, I don't think the Monarchs rate much higher right now. I think people have forgotten that to start this year, these guys played that wild 63-61 game vs NC. Then upset A&M on the road the next week. Now, we won't get into A&M right now, but, that is still a big road win for this program. In off 2 losses, this line is not the 20+ it should be. I see another 40+ on the board in their final home game of the season. 4* Money Maker APPALACHIAN STATE  

Taking CONNECTICUT. How the heck is Army favored here? They have scored 9 and 7 points in their last 2 games. 48 vs Monroe and 42 vs Colgate. 49 vs Villanova. Come on. UCONN is a vastly improved team. They are better than those teams. They fought in Utah State. Beat Fresno, BC, UMASS and just upset ranked Liberty. Even adding in a little let-down factor, double digits? I'll take it. These guys have won 5 of 6 with the lone loss 25-21 on the road at Ball State and the Cards score 2 TDs in the fourth to pull that out. 4* Money Maker UCONN 

4* Money Maker TCU

4* Money Maker GREEN BAY

4* Money Maker CENTRAL MICHIGAN

4* Money Maker TOLEDO ROCKETS

4* Money Maker WASHINGTON COMMANDERS 

Taking SAN FRAN. I know the love is on Philly. Maybe some Dallas backers. But for me - SF and Jimmy G are Super Bowl bound. Chargers. Come on. They invent ways to lose and their coach is terrible. Off a bye week and can get even CMC even more involved in the offense. This team is dangerous. Solid defense, and an explosive offense. 4* Money Maker SAN FRANCISCO 49ers

Taking the COWBOYS. Hate laying with Dallas on the road. But, off their bye week, taking a shot here. Better on both sides of the ball than the Packers. Do we really expect Green Bay to 'turn it on' now? Rodgers has been bad this year. I know Dak is still working his way back. But he at least has Lamb to throw to. Plus a solid pair of RBs and monster defense. These guys have 33 sacks. Micah is a beast. Oh. Mike McCarthy coming back to town. You don't think this guy wants to win? And I don't even like him as a coach. His players do. And they will want to win it for him. 4* Money Maker DALLAS COWBOYS

Taking the RAIDERS. I had the Colts and Under last week. Terrible.  Here I am thinking we are getting our RB back, he'll help out the youngster. Patriots offense is lackluster to say the least. Now the Colts in back to back with a raw QB, in a mess of season, flying across the country, with a guy who was working ESPN as their HC now. Yeah. What can possibly go wrong? Honestly. This NFL season. Would anyone be shocked if Vegas lays an egg and Colts win 20-17? Look - Raiders season on the line. Forget the season. The coach might be on his way out the door and back to New England if they lose this one. Too much talent edge at QB, RB and WR here. 4* Money Maker LAS VEGAS RAIDERS

Taking the CHIEFS. I know this is a tough spot. We had them last week off their bye and they failed to cover. They needed OT just to get the win. 23 straight November/ December wins for Mahomes. Jaguars come in. And not that this should be an 'easy' game. KC has played probably the toughest schedule so far. Rival Chargers on deck. But I just can't back the Jaguars. I am sure Andy Reid will make sure the team doesn't over look these guys. Rallying from 17-0 down vs anyone is a sign of a tough, no quit team. I just don't see them lasting here. Against a better defense in the Titans, KC put up nearly 500 yards. 500 yards and you should be winning by double digits. I think this is a 10-13 point victory for KC today. 4* Money Maker KC CHIEFS

Taking the BROWNS. I thought I was going to get the bad number at 5.5 thinking it would go up. Yet. It is now a 3.5. Money showing on Miami, and yet, the line drops. I like us off the bye week. Dolphins in off a wild one in Chicago. Everyone loves Tua - Tyreek - Waddle. But give me some Chubb and Hunt to run that clock. 4* Money Maker CLEVELAND BROWNS 

Taking the BILLS. Holy cow what a nightmare here for me. I'm thinking Bills beat the Jets 38-10, Washington knocks off the Vikings, and this line goes past 10. I get Minny winning. Jets outright. And Allen hurt. Buffalo now -3.5 and you know what, I like them to cover. I won't be shocked if they win by 10 here anyway. Time for the rest of the team to say hey - we are more than our QB. Other guys are pretty good too. 4* Money Maker BUFFALO BILLS 

4* Money Maker CAL BEARS

Taking FLORIDA STATE. They really took Miami behind the woodshed last week. What a win for the program. Hopefully the Canes can get back and make this like the late 80s/early 90s. That being said - Orange in a tailspin. Started with Clemson. Notre Dame demolished them. Pitt said let me get some licks in. Noles with 45-3 and 41-16 wins over, lets be honest bad Miami and Georgia Tech teams. They did lose close ones to both Clemson and NC State. Yeah. SU beat NCST but that was a back up QB game. Speaking of QBs, Syracuse has one that is injured. We have seen Florida State feast on bad teams. Going to lay it here on the road. 4* Money Maker FLORIDA STATE

Taking BAYLOR. I think Fan Duel had this at 4.5 or 5 on Sunday, I had to a double take. Look. At 5, that's a dog play or pass for me. But after going through the listed games this was 3 or 3.5. And I will say this. I don' tike that I am seeing 2.5s out here. I love the K State coach. I just think the Bears are the better team here. 4* Money Maker BAYLOR

Taking OLE MISS. We have talked before about Alabama on the road. They just don't put away teams. I know we will hear all about Saban vs old assistants. I don't care. This is not a vintage Bama team. Should have lost at Texas. Lost at Tennessee. Lost at LSU. Now is Ole Miss any of those teams. I don't think so. 8-1 is nice, but the one ranked team they played, LSU, rolled them 45-20 in Death Valley. Will also be on the OVER here. Off they bye week, you would think Kiffen will have the guys ready to go here. 4* Money Maker OLE MISS

4* Money Maker NEW MEXICO 

Taking ARKANSAS. Come on. LSU off huge OT win vs Alabama. Razorbacks lose at home to Liberty. 4* Money Maker ARKANSAS 

4* Money Maker NAVY

Taking RUTGERS. Spartans pulled off the upset last week. A little juicy with the line then, even with the suspensions, and now. Schiano is tough as a dog, 8-3 ATS on the road in Big 10 play. You know you will get a full effort. And honestly. You want to back Michigan State as a double digit favorite? Never. 4* Money Maker RUTGERS

Taking the BOILERMAKERS. This line screams to me Purdue Outright. Both teams off losses. Look. Illini with a great pass defense. Hello. Michigan State passed against you and you lost as a 17pt favorite. And honestly- Wyoming, Virginia. Are these passing juggernauts. How about that 9-6 win over that prolific Iowa offense. Chattanooga! Passing machines Wiscy and Minny. Come on. Boilermakers can throw the ball.  4* Money Maker PURDUE 

Taking FRESNO Both teams with their QBs back. Last week vs SDST, UNLV lost 14-10 in Brumfield's first game back. 4 straight losses for them. Again though, QB is back. But Fresno has their own QB back under center and has reeled off 4 straight wins with a 138-61 win margin. In his first game back vs SDST, Haener rallied the troops with 3 TDs in the second half and a 32-28 win. Last year Fresno was a 30pt home fave and UNLV had a lead the entire game until 5 minutes left. Safe to say Fresno will not be overlooking this bunch. 4* Money Maker FRESNO STATE

Taking BALTIMORE. Extra rest. Sign me up. This Ravens team is a solid bunch. A couple bone head plays away from being undefeated. I am not buying the Saints beating the Raiders. That team is a disaster. This HC alone stops us from getting shut out on the road. Saints defense won't be able to stop Lamar and company. Ravens no stranger to Andy Daulton. I think they win this one by 10. 4* Money Maker BALTIMORE RAVENS 

Taking KC here. Andy Reid off a bye - 19-3 SU. How about Titans 27-3 last year.  Mahomes throws 4 TDs tonight. Maybe we get Tannehill. And he is not close to 100%. Or we get a rookie who went 6 of 10 for 55 yards last week. 38-17 home team. 4* Money Maker KC CHIEFS 

Taking the BILLS. Will be looking to get on Bills FH and probably a TT Over also. We will also be on the UNDER here. How are the Jets scoring? QB plays scared. The offense is and was average at best before injuries. I have said before and I will say it. Bills to the Super Bowl. This team takes off entire halves and still score nearly 30. Last week we score 3 straight TDs, go up 24-7 and then get back doored. Here. There is no Aaron Rodgers leading a march down the field. 4* Money Maker BUFFALO BILLS 

Taking the COLTS. We cashed with Washington last week and these Patriots. Now. This isn't Manning vs Brady by any stretch. Right out of the gate, we are also on the UNDER here. That being said - Colts Outright here. We have the best player on offense and defense. Patriots with zero play makers. They beat the Jets by 5 on some gift INTs. 17-14 over Pitt. How do you trust them. I am hoping Zappe doesn't come in at halftime and sparks something. The line is actually coming down. 4* Money Maker INDIANAPOLIS COLTS

4* Money Maker USC 

Taking FLORIDA STATE. I am a Miami guy. But this team is an absolute mess. A lot of work to be done. That game last week vs Virginia. My eyes still hurt. If Florida State doesn't win by 14+ , they need to fire the HC and bring in Prime Time to take over the program. Run it up in this once proud rivalry. 4* Money Maker FLORIDA STATE 

Taking the IRISH here. Man. What is up with this line? I thought Clemson would be a bigger favorite honestly. This is an ND team that has lost to Stanford and Marshall here - as 20 and 17pt favorites! But then you see them go to NC and score 45. Beat BYU in Vegas. Nice road win over SU who nearly, or should have, beat Clemson on the road. Now - I am not a fan of the Irish HC or QB. And now they face a really good defense. I couldn't get down on the opening total and now the value is long gone. But this line again. Smells like a fishy sitting on a rock in July on the Jersey shore. It stinks. 4* Money Maker NOTRE DAME

Taking LSU. I know Alabama. I get it. It's Alabama!! Not even laying 2 touchdowns! And that is why I am looking at LSU tonight. I usually don't grab the low hanging fruit. If it looks to good, it usually is. Much like that Clemson line. Maybe we go 0-2 with dogs. We'll see. Look. We have seen them struggle on the road. They finally took a loss in Tennessee. We don't have to go over some of their close calls. Tigers seem to have found a little offense the last 2 weeks putting up 45 vs Mississippi and Florida. Tide with a bye week to see if they can slow it down. I actually like the Under also.  4* Money Maker LSU

Taking TEXAS. Texas loses as a 6.5 favorite on the road to Oklahoma State. Kansas State demolishes Oklahoma State as a 3 point favorite. Two teams off the same team with totally opposite results. Texas could really be undefeated. This is a solid team. And as much as I like the KST program, I think the Longhorns get it done by 10 here. Off their bye week and Kansas State again, off that huge win over the Cowboys. 4* Money Maker TEXAS LONGHORNS 

Taking TROY. ULL was thought to be a tough out in the Sun Belt West when the season started. 4-4, looks like still some work to do. Troy the top dogs now. The defense will be the difference for me. 30 points allowed the last 3 games. This game really screams under to me. I can't believe it is the 40s. I think this is a under 38/39. Both teams rested coming in. ULL has won the last 2 so we are getting a double revenge road favorite this afternoon. 4* Money Maker TROY

4* Money Maker GEORGIA SOUTHERN

Taking TENNESSEE. We have had the Vols a few times and they have all cashed. Until someone slows down the offense, we will back them. Georgia will be the best unit these guys have faced. If Georgia pulls out the double digit win, nothing I can do. This game opened at 11 and has been dropping. The 'Playoff Rankings' says Vols #1 Georgia #3. People I respect, the line makers, see the Bulldogs as a sizable favorite. If the line opened 7, 7.5, I would probably be leaning Georgia. Giving 9 to a team scoring almost 50. Man. I have to grab the points. Public dog, it looks that way. I don't like to be there, but here we are. We will know soon enough if this is a total mismatch, and at least we can get a little in-game if it starts to get away from us.  4* Money Maker TENNESSEE 

Taking OKLAHOMA STATE. When you get demolished 48-0 its nice to have a team on deck that you have beaten 12 straight including 8-2-2 ATS with the shortest line being 17. Looks like Sanders is out at QB for the Cowboys which is why the is here instead of -6. It is tough putting faith on a defense to finally show up, as OSU has been terrible in Big 12 play. But as I have said before about Kansas. Yeah. It is a nice little season and the program is moving forward. But they don't have the depth of talent the top teams have. Now, Mike Gundy's son as QB. Eh. Not really loving it. Leaning on the more established program to get on track here. 4* Money Maker OKLAHOMA STATE 

4* Money Maker GEORGIA TECH 

Taking the EAGLES. Well - this line has totally ballooned. PHILLY FH is the play here... I still think they win by about 17. But like the Bills on Sunday night. If they take their foot off the gas, we might have to worry late. I had the Texans Sunday. I liked them before the QB change. Thought Lovie would have some answers for Henry. If he couldn't stop a 1 man offense, I find it hard to believe that they can slow down an actual team offense. And this team looks very good right now. I think Philly names the score here. 30-10 or something around those lines seems about right. 4* Money Maker PHILADELPHIA EAGLES ---------- A quick note everyone.. Have had quite a few new subs either weekly or monthly. First - THANK YOU. .I really appreciate everyone who purchases any of my picks. So again. Thanks. - I know some have emailed in about lack of plays Wednesday.  And every so often I have to address it. I do bet a lot of games. You see the numbers. But sometimes, I don't like anything. And if I am not betting it, how the heck can I put it on here when I have people putting there money on it. Believe me. A college basketball Saturday there might 25 games that are posted to be bet. This Monday, there could be 20-30 games. You see College + Pro football. Double digit games sometimes. -- Please. Mind your bankroll. This isn't 9 team parlay of your life. 6-3 is a winning day of straight bets. NBA is not a sport I love with a bunch of babies sitting out for load management. So NBA will not have the numbers of MLB, Football or soon to be College Hoops. There are 2 NBA Game Thursday night. I did the Free Pick with Hannah today. Said I like the Warriors -7.. Line is now 8. I am not using it on the site. I plan to make our money in the NFL. Everyone excited about MACtion. Well I liked the Unders the last 2 days. I didn't bet a single one. You don't have to bet everything cause you like it. Is there an edge? That is when we bet it. I'm trying to make myself, and my followers money. Not bet just to bet a game that is on TV. -- UTEP beat Charlotte 41-35 and Rice lost to Charlotte 56-23 as 15 point Favorites - and are favored today. This is a game you want to put your money on? Not me. We are locked in with NFL right now. CFB is ok at 54% (82-71). NBA is 4-1. We will find our spots and hit them. Again, thanks for following. ~ Higgs

4* Money Maker OHIO BOBCATS 

Taking the BROWNS. 4 straight losses vs Cleveland. Sign me up. Bengals winners of 4 of 5, the loss, at the Ravens in a tight one. Chubb for about 150 and 3 scores tonight. This is me just fading the Cincy hype machine. Chase being out isn't a huge deal. Burrow has a lot of weapons. Just not a fan of laying with division road favorites. And the Browns - well. They play some wild games for sure. Cashed with them last week, and again will do it again. 4* Money Maker CLEVELAND BROWNS

Taking the BILLS. We have been on these guys since Opening Night and the printing press is rolling along. This is another spot where the Bills get to destroy someone. Enter Aaron Rodgers and a Packers team that is a hot mess. A team that has giving up 27 to Jets 21 to Washington 27 to NE with a 3rd stringer making his debut. And now they get MVP Allen. Forget it. Off a bye week. This game will be a 20pt funeral for Rogers. I can see maybe a desperate attempt to get about 20 points. But Buffalo drops 37-40 and it is not even close. Allen and Bills out to show everyone they are the best in the land. 20pt win here. 8* Sure Shot BUFFAO BILLS 

Taking the NINERS. Man. I said Sunday on Mid Day Money to get down on SF before the line move. And here we go. Niners a fave. Will not matter. As much as I kick their coaches back for his Super Bowl blunders, the guy owns the Rams. We had them a couple weeks ago 24-9. We will do it again this afternoon. 7-1 SU last 8. Rams beat a terrible Carolina team before their bye week. Still not buying them even with San Fran getting demolished by the Chiefs. The Rams offense is not KC - not by any stretch. This team is quick, find Cupp and throw it. Will there be some magic maybe off the bye. Maybe- and it will be short lived. Will there be any San Fran fans at this game? How about CMC going for 2 scores. Niners big. 5* Best Bet SAN FRANCISCO 49ers 

4* Money Maker WASHINGTON COMMANDERS 

Taking SEATTLE. Giants cashed for us last week. We'll take it. This afternoon though, home team gets the call. Just an absolute brutal travel spot for the G-Men. Florida to Seattle. Yikes. That is some nice flyer miles though. Again. Tough back to back road games. And where is the love for Geno. These guys are top dogs in the NFC West. I know the defense is a bit suspect. But these guys put points on the board. Daboll has NYG at 6-1 and looking like a Coach of the Year. Giants have played at Jacksonville and in London. Now will get a taste of a real fan base that will be pretty pumped up for their overachieving bunch. Give me the home team. 4* Money Maker SEATTLE SEAHAWKS 

4* Money Maker HOUSTON TEXANS 

Taking DALLAS. So we did drop the Patriots on MNF. But you know what, that might help us here. No way the Cowboys will be overlooking the Bears, that's for sure. You beat The Hoodie on the road on MNF when the entire league is watching. You are going to get noticed. Any idea on Dallas that they would just cruise past Chicago went out the window when the showed up at practice Tuesday. And let's not forget - even though we cashed Dallas over the Lions, that game was something like 10-6 heading to the 4th quarter. That wasn't a cake walk with Dak back. But for me, this is all about the Dallas defense. It should really stymie the Chicago offense. They have done a terrific job all year. Can't see the Bears breaking out for 30+ in back to back games - both on the road - and a short week to boot. Cowboys lead the league in sacks and are 3rd in takeaways. I think they add to that and get us a 14pt win this afternoon. 4* Money Maker DALLAS COWBOYS 

Taking the PATRIOTS. As mentioned in the Dallas write-up - the league saw the Patriots take an absolutely humiliating loss to the Bears. 200+ yards of rushing allowed. Defense was what made these guys a good bet! 3 INTs and a lost fumble. Not being able to recover any of the Bears putting it on the ground 5 times or whatever. Terrible. Now the World loving the Jets. Riding high off that Denver road win. But costly - lose your RB, probably your best OL. Yeah. The traded with Jax for a solid RB. But still. Hall was electric. For me. This is The Hoodie owning NYJ for his entire career. Off that loss. Oh man. I don't know if Mac Jones is hurt or just working off the rust. I don't care if we get him and Zappe. Whoever is taking snaps, I need 7 points. Because I can't see how anyone on that defense is getting any rest after that performance on Monday night. 4* Money Maker NEW ENGLAND PATRIOTS 

Taking the JAGUARS. Yeah. Tough taking the Jags who are 0-6 ATS their last 6 as favorites. But there is zero chance we back Denver. Russell or Rypien. It does not matter. This offense is terrible. The coach will be canned at the end of the year barring a Super Bowl appearance.  Look at their scoring 6- 16 OT - 9 OT - 23 - 11 - 16 - 16 -- Call me crazy. I've been called worse. I have the much better coach. 8th game in 9 years here for Jacksonville not that it matters. Obviously lean under but didn't pull the trigger.  4* Money Maker JACKSONVILLE JAGUARS

Taking MICHIGAN. This is a huge number considering State has won the last 2 games in this rivalry. Both of their bye weeks. Sparty off their first win in a month, an OT thriller over Wisconsin. Wolverines demolished Penn State. Now - if this was right after those games, maybe we take the points and think some momentum and Michigan feeling good crushing PSU. But with a week to stew over losing 2 straight to Michigan State, I think we get a full effort here. Harbaugh needs to really run it up here. In-state "Little Brother" rival with 2 straight wins. Forget 2 straight wins - how about 10-4 SU and about 12-2 ATS vs you. -- 'Little Brother'? I am sure every year people say - this is it. This is the year we get payback. Maybe Spartans hang tough for a half. They have been bad on offense and defense all year. Yeah. Highly motivated dog. Maybe its my Fab Five bias from the old days. But I think Michigan wins this one 44-14. 4* Money Maker MICHIGAN

4* Money Maker OLE MISS 

4* Money Maker SOUTH CAROLINA 

Taking ILLINI. Defense has been awesome for the Illini coming on strong sine that 23-20 loss at Indiana. 3-0-10-6-14 points allowed. Both teams off their bye weeks. I don't care that Nebraska still loses 'close' games. Illini are your Big 10 West Leaders. And against a team like Nebraska, who finds ways to lose and shoot themselves in the foot - well yes, I will lay the points at home. 4* Money Maker ILLINOIS 

4* Money Maker LOUISVILLE 

4* Money Maker OKLAHOMA 

Taking OHIO STATE. I know Penn State has played these guys tough. They no-show vs Michigan, but just ball-out vs the Buckeyes (OSU 9-1 SU, but PSU 5-1 ATS last 6). I will be that guy and 'Buck those numbers so to speak. Look. I think OSU is the best team in the land. They are really starting to get it going on offense right now. They didn't even play a good game last week and put up 54. These guys need some more 'statement' type games. They whipped Michigan State on the road 49-20. I think that should be something they get done here as well. Defense much improved and that will stymie Penn State today. 4* Money Maker OHIO STATE 

Taking TCU here. Going to ride this undefeated bunch this afternoon. Really just fading away on this West Virginia defense. 48 last week. 40 before that at home vs Baylor. 38 to Texas. Kansas put 55 up on them. 38 by Pitt. Red Raiders with 38-43-38-55-42-59-38 on the board. So we pencil a 40 spot and think that the Mountaineers maybe get 30. I can live with that. Yes. Could be a flat spot after playing ranked teams and facing this bunch. But if the defense is giving me about 600 yards to play with, I will take the road team here. 4* Money Maker TCU

4* Money Maker EMU

4* Money Maker AKRON ZIPS

4* Money Maker NOTRE DAME 

Taking BALTIMORE. Ravens win this game by 10 points. The Pirate Ship is sinking fast. This team is in total disarray. Injuries. Coaching. QB Play. I have the better HC. I have the better QB. And as bad as this Baltimore defense looks at times, I am still taking it over Tampa. Tampa not fixing it's issues on a short week. Grabbing the road team tonight. 4* Money Maker BALTIMORE RAVENS 

4* Money Maker NC STATE 

Taking the PATRIOTS. Have to take New England vs this offense. I do like Zappe and the offense. Heck, I would like Mac Jones here over Chicago. This is really a fade of the Bears, on the road, and facing a good defense. Just look at it. Forget about the monsoon game 19-10 over trash Lance, I mean Trey Lance. How about 10 at Green Bay and 10 at the Giants. They put points in Minny vs a team that just flew back from London. The Bears don't have Lamar and the Ravens coming to put up points. Because that is the only team to put points up. Yeah, they lost in OT at GB with a kid coming in cold off the bench. 15 points in Cleveland last week. A shutout their last game at home vs Detroit. Won't be shocked at another MNF Under here either. 4* Money Maker NEW ENGLAND PATRIOTS 

Taking the STEELERS. How are you taking this Miami offense? I don't care if Tua is back. If it's Teddy B. If Marino comes back. Dante Culpepper or Fitzmagic. This team has trouble on offense. 1 game. Actually 1 quarter - the Ravens forget a NFL game is 4 quarters and Miami explodes. Say whatever you want about Pitt. I know Tomlin will have these guys ready to play in prime time and the defense never quits. MVP Mitch showing out on SNF! 4* Money Maker PITTSBURGH STEELERS

Taking SEATTLE. Holy Cow this Chargers team is a flat out disaster. And me, like everyone else thought that Denver has the worse coaching. Geez.. Look. Give me Geno and this offense. They have been scoring. I know the defense is not all that great shakes. But I got a team that is playing inspired ball right now. LAC off an OT division rival game. A win to boot. And a short week. In a home stadium that will have a lot of Seattle fans. Too many points. Back door wide open for us to scoop up the win. 4* Money Maker SEATTLE SEAHAWKS

4* Money Maker NY GIANTS

4* Money Maker CLEVELAND BROWNS

4* Money Maker ATLANTA FALCONS 

Taking the COWBOYS. Dak possibly back? I know the fade train will be pulling to the station. Off a tough game vs Philly. But - defense baby. Dallas has it. Lions, well not so much. I expect a conservative approach as you bring your QB back. But really. Lions haven't slowed down a thing this season. And if it is Cooper Rush again, I'm not mad. That is just more Zeke and Pollard who will, if given the carries, but get about 190 and 2+ TDs between them. Dallas defense will score a touchdown today. Off a bye week, the Lions last ranked defense hasn't improved enough. And this offense, if they get their RB back, will not score 30 against Dallas. And if they do. Well. Huge win for their coach who is 4-17-1 leading this bunch. 4* Money Maker DALLAS COWBOYS

4* Money Maker WASHINGTON COMMIES

4* Money Maker CAL BEARS 

Taking KANSAS STATE. Maybe a bit of the square, public dog here. But I have to take them in this spot. TCU off a double OT come from behind win. That on the heels of College Gameday and the nation watching them win at Kansas. Oh, that was off them throttling Oklahoma dropping a Jordanesque Double Nickel on them. And before that they run past the Pony Express in-state rival SMU. I'm getting an always solid coached road dog who has won 3 straight in this series including twice in the underdog role off their bye week. Sign me up. 4* Money Maker KANASA STATE 

Taking MINNESOTA. I get it. - White Out in Happy Valley. PSU off a loss. Whatever. Penn State 9-8 in White Outs.  Both teams with QB issues. Minny had turnovers and Illini crushed them in time of possession. Gophers can still run the ball. Nittany Lions gave up more yards rushing last week over 400!! than they have in their other games combined this year! - Gophers go for 225 on the ground. Good enough for me. Outright winner in the makin? Take the points. 4* Money Maker MINNESOTA

4* Money Maker UCF 

4* Money Maker BOISE STATE 

4* Money Maker UTEP 

4* Money Maker OREGON DUCKS

4* Money Maker LIBERTY

Taking JAMES MADISON. Lost with these guys last week. I think they take out the pain here on Marshall. I think the Herd still think that Notre Dame win is equal to 9 wins and they don't have to play anymore. -17 vs Bowling Green, lose outright... -3.5 vs Troy, lose outright... -31 vs Gardner Webb, 28-7... -10.5 vs ULL, lose outright. Maybe we get an inflated number with Madison off their loss. But I expect a crisp game with no turnovers here. This is has 41-16 written all over it. 4* Money Maker JAMES MADISON 

4* Money Maker TEXAS 

Taking TOLEDO. Ok - Buffalo opened with a loss to Holy Cross and has now reeled off 4 straight. Rockets with losses to Ohio State and San Diego State both on the road in their non-conference play. But the MACtion has lit a fire in their offense. Near identical 52-32 and 52-31 wins the last 2 week and a 38-17 to just start off conference play. I though Bulls would struggle a bit this year. They have surprised me a bit. I got down on the OVER 60.5 on this one also. These guys haven't met since 2019 so toss out revenge for Toledo as Buffalo won 49-30 as 10 point favorites. 4* Money Maker TOLEDO ROCKETS

Taking BOWLING GREEN here. I will say Central Michigan is probably the better team. But, do we trust them with this kind of number? I sure don't. CMU 0-3 ATS in MAC play - twice not covering as a favorite.  This is a FG type game, and I think the Falcons can win this one outright. 4* Money Maker BOWLING GREEN 

Taking DUKE. Blue Devils have surprised me a bit. The new HC doing a good job. I am a 'Canes guy. And their QB has been improving. For me though, too many points. Even with Duke in off some dogfights the last two weeks - I think that actually helps. They will be fighting here. Again. Sometimes I take dogs thinking outright upsets. Other times, I see the fave that is not totally focused and we can squeeze in the number late. 47-10 and 48-0 the last 2 years as the Hurricanes rolled. Miami hasn't covered 5 straight weeks with last weeks 20-0 entering the 4th turning into 20-14 non cover. Doggy for me. 4* Money Maker DUKE BLUE DEVILS 

Taking SYRACUSE. This will probably come back to bite me in my giant butt. The Orange didn't fold in their look-ahead spot last week. Now they face Clemson who is really starting to put it together. I have seen the Tigers let teams get back late and take a big win to a non-cover. Syracuse has played Clemson tough the last few seasons. Now, with a lofty ranking for them we find out how real they are. A banged up Boilermakers team and last week you get a team with a backup QB. Well. Now you get a annual Top 5 program. I thought Babers was on the hot-seat and beat SU Under wins. Well that went out the window in September. Notre Dame on deck for Clemson. Clemson has 1 monster blow-out cover this year. Cuse brings a solid defense. I think we get inside the number. 4* Money Maker SYRACUSE ORANGEMEN

4* Money Maker GEORIGA TECH 

4* Money Maker LOS ANGELES CHARGERS

Taking the COWBOYS here. Also have Under 45.5 but that is gone. Still like it to be low scoring though which is why are taking the points. Both teams play good defense. I think this is an ugly one. Might not be Amazon NFL ugly,  but it will be old school with Dallas wanting to run the ball to easy the pressure on Cooper Rush. Can't say anything bad about Philly. Well, we can since they couldn't do much in the 2nd half last week and cost us a rare loss. This for me is the Cowboys defense keeping the Eagles in check. Should be a FG game. 4* Money Maker DALLAS COWBOYS

Taking the BILLS. I have said all season. Buffalo is the best team. The coin-flip revenge season is underway. They have had this game circled since their season ended. And honestly, I said on the Mid Day Show - KC going for 2 to get up 8 shows that their coach has zero faith in their defense making a stop. I don't care if the Bills have 6 backups in the secondary today - it won't matter. This offense is scoring 40. They are not taking their foot off the gas one bit. I love Andy Reid. Him and Mahomes have all types of gaudy home numbers. I get it. But the Bills are the best team in the NFL. I got this line at a PK at open. Now there are 3s out there. I don't care. I think Bills win by double digits. 5* Best Bet BUFFALO BILLS 

Taking the JETS. These guys have been in it really every week. And honestly, this is a fade of Green Bay. I've been saying in Mid Day Money since Week 1 vs Minny - GB can play some defense, but they aren't scoring. Rodgers still looks like he is learning his way with his WRs. Jets play defense themselves. And the offense is coming to life under the new regime. I almost want to say Jets outright here. Line has moved down from the opener. And why not. GB again, plays down to a team and this time they couldn't pull it out. GB at home, and off a lose. I get it. you want to unload on the Packers. Jets beat a 3rd stringer. Rallied vs a rookie making his debut vs Pittsburgh and needed miracles, plural, to win at Cleveland. Angry Rogers sure. But I think NYJ can keep it close. The Bears kept it close and were nearly inside the number! J-E-T-S 4* Money Maker NY JETS

4* Money Maker MINNESOTA VIKINGS 

4* Money Maker UTAH UTES

4* Money Maker FLORIDA STATE +7

4* Money Maker PURDUE BOILERMAKERS

4* Money Maker ECU PIRATES

4* Money Maker JAMES MADISON