$ 28.(2)$解:由题意知,
$\sqrt {1+\frac {1}{n^2}+\frac {1}{(n+1)^2}}$
$=1+\frac {1}{n}-\frac {1}{n+1}$
$=1\frac {1}{n(n+1)}。$
$(3)$解:由题意知,
$\sqrt {\frac {65}{64}+\frac {1}{81}}$
$=\sqrt {1+\frac {1}{64}+\frac {1}{81}}$
$=\sqrt {1+\frac {1}{8^2}+\frac {1}{9^2}}$
$=1+\frac {1}{8}-\frac {1}{9}$
$=1\frac {1}{72}$