I think there are a number of companies who are taking advantage of consumer desire for Apple news and opinion.
It's not a difficult prediction to say that the form factor will be different, after the 4/4S and 3G/3GS, that makes perfect sense. It will be faster, more capable, and have more features than the current one does.
The number of Mega Pixels the camera is capable of is definitely not going to decrease or even stay the same, it always increases.
The only real unknowns are what Apple will do with the screen and whether or not we'll finally see a version of NFC released to the public. A 3.5" screen makes the iPhone perfect for one hand use, unless you have teeny tiny hands, and a switch to a larger screen would be beneficial in some ways and not in others.
It's far too early to really know much about the iPhone 5, there may still be 5 fully functional prototypes being developed at the same time. Which one will make it to market I'm sure no one outside of Apple knows anything about.
Business Insider is bad for floating rumors that aren't even rumors or printing speculation to garner page views but the Wall St Journal is the absolute worst for Apple whoring in order to get page views.
The WSJ seems like it just makes up crap occasionally because they know Apple followers will read it.