Football expert Phil Steele is the owner and publisher of Phil Steele’s College Football Preview, regarded as the college football bible. Get in-depth coverage of college and pro football 24/7/365 at PhilSteele.com.

Chargers (+4) over RAIDERS: The Chargers could easily be sitting at 4-0 this season had it not been for a trio of fourth-quarter mishaps that includes a pair of late turnovers (led by 13) last weekend in a one-point loss to the Saints. They now head to the Bay Area to take on a 3-1 Raiders squad that has struggled as a home favorite covering just two of their past 13 matchups. With the Chargers being a solid 12-2-2 ATS as a division road underdog, I’ll take the points in this one.

Titans (+ 3¹/₂) over DOLPHINS: The Dolphins had some obvious offensive struggles a week ago in Cincinnati as they were held to just eight first downs and 222 yards in the 22-7 defeat. With Miami covering just two of its last 11 contests, I’ll lean with the visiting Titans here as they’ve shown some signs of making the turn to a positive direction so far in 2016 despite their 1-3 overall mark — including a narrow loss at the Texans last Sunday.

Last week (NFL): 0-2

Season: 1-7