I'm posting this up for a co worker who has the 3GS. He's going back and forth on getting the iPhone 4, or keeping his 3GS and wait for the next one. He's not eligible for the full discount. His upgrade is available summer of next year. He's afraid of getting the iPhone now and Steve Hobs will announce a better iPhone that year.* I told him that it's most likely that Apple will announce a new iPhone next year. BUT I think that next years iPhone won't be a dramatic change. More like a iPhone 3G ---- iPhone 3GS upgrade. I myself, will be getting the iPhone 4 and is willing to pay the early upgrade fee. ($299 + $200 = $499) What do you guys think he should do?