PHRF links
Here's a site to look at:There are two things to look for. First, trying to find a boat like yours for comparison, and secondly, learning about the system. I got bumbed out early on when "my" rater gave me a really fast rating because he didn't have time to deal with it and and went on vaccation. The only way to change my rating now is to go before a board, or something like that, and appeal. Well, I'm just not into that sort of thing so I just dropped out and took up cruising instead. Any races now are "unoffcial"! i.e., two boats on the water.Check this site out: http://www.phrf.com. this is a private site, unaffialiated with PHRF, with links - look under "Links" and "PHRF Data Bases". Could not find the 281 listed but did find a 285 in one of the tables. There is also a discussion group area.I've come across other sites in the past with good boat listings but can't put my fingers on them at the moment. One thing you'll find out is the PHRF rating is not friendly to cruising boats with big battery banks, dodgers, orange peal bottom paint like Trinidad, extra anchors, etc. The bimini won't give you any credit - just adds to windage. Hopefully some others will chime in.