A sailboat under sail has the right of way in the situation you've described. The only time that a sailboat under sail does not have the right of way is in the shipping lanes in Puget Sound, to my knowledge. Of course, the practical rule is tonnage. If the other boat is a lot bigger, you better get out of the way.
IMO - you should sign up for a boating class if you don't know the rules of the road. The sail vs power boat rule is Basic Boating 101.