The iPhone 4 has pretty much only just came out, so I don't think the 5th will be released till next year.
um.. wait for iphone 5? that's a long time get the iphone 4, when iphone5 comes out than get that one and sell your old iphone4
problem solved <---- Genius! ;) Whats money anyways lol?
One thing that confuses me if why the OP has put random hyperlinks smack bang in he middle of his post...
Wait till September for the iPhone 5, just 2 months is all.