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Rumors say that pre-orders for the next generation iPhone 5 are reportedly set to begin the morning of Friday, September 14th, according to MacRumors:

MacRumors is now hearing that pre-orders may not begin tomorrow following the media event and that they may instead start on Friday morning in a scenario similar to last year's debut. We're hearing that certain portions of Apple's online sales support team are significantly increasing their staffing levels beginning at 6:00 AM Eastern on Friday, with a major surge for the initial shift beginning at that time and a sustained level of high staffing for at least the remainder of the day.

Last year, the iPhone 4S was set to begin pre-orders at 12:01 AM Pacific Time the Friday following the Apple's media event.

So users are given an extra couple of days to get the money together.