Here's how to interpret the various parts of a URL:*

http: www. /english/ start.htm

http:-- Short for Hypertext Transfer Protocol, this indicates a Web document or directory.

www. -- This indicates a page on the World Wide Web. (These days, the "www" is optional.) -- Called the domain name, it often indicates the name of a company, university, or organization. It can also tell you the country of origin. -- Together, these indicate the server name. (This is usually what you say when you give a web address.)

english/ -- This is directory or folder on the web server that contains a group of related web pages within the website.

start.htm -- This is a web page inside the folder. (The same file can be named start.html) A URL doesn't always include the name of the web page.

*Example taken from: Learn the Net