That's $102 cheaper than the same model and roughly the same price as the generation-old 8 GB iPhone 3G. Of course, both stores require you to sign a two-year service agreement with AT&T to get the subsidized price.

If you've been thinking about getting an iPhone, the dilemma is obvious: Do you jump on Walmart's $97 iPhone 3GS, or wait for the inevitable iPhone 4G? Thanks to a couple of escaped prototypes of the new model, making a decision this year is easier than ever because of . Here are a few questions to ask yourself:

Do you need video chat?

The next iPhone is likely to have a front-facing camera, whose most obvious application is video conferencing. If you don't really chat by video on your computer now, you probably won't miss the feature. The iPhone 4G may also be able to take self-portraits, and there could even be apps or games that use face tracking, but that's just a guess.

Do you have a huge music or video library?