I feel worse after reading those links you provided. What irritates me the most is that they change the rules after you have invested so you can't forsee what is the best action to take.

In one it says: "Also on the list are speculative non-dividend paying stocks..." and, "Anyone who holds index funds, ETFs, blue-chip stocks or fixed income and is holding for the long-term should stick with their plans for using their TFSA"

In the other article, :Based on previous jurisprudence, the judge reviewed some of the factors that must be taken into account when determining whether a taxpayer’s gains from securities are on account of income or capital. Those factors are:

• the frequency of the transactions;
• the duration of the holdings;
• the intention to acquire the securities for resale at a profit;
• the nature and quantity of the securities; and
• the time spent on the activity.