Dear Harry: I think there's a rip-off somewhere in what just happened to me. I went to a famous chain of tax preparers to get my return done. They charged me an extra $39 for an "insurance policy" to protect me in case of errors in my return. Well, it happened. There was an error in my return amounting to little more than $1,200. The policy was good. It paid enough to cover my tax deficiency. Now, they're telling me that I have to pay income tax on the insurance payment! This doesn't make any sense. The mistake was not mine. I paid for the extra protection, and now they're hitting me again? Will I have to pay the tax on this? I think your readers should be aware of this delayed surprise.