What Is a "URL'?

URL is Uniform Resource Locator. Basically, it's the address of a web page. For example, the URL of Mamapedia is www.mampedia.com

I'm not sure what you are asking in regard to creating a URL. If you want to create a website, you need to find a place to host it. Once the page is hosted, you can register a personal domain name through a place such as www.GoDaddy.com, although that's not necessary.

from http://en.wikipedia.org/wiki/Uniform_Resource_Locator

In computing, a Uniform Resource Locator (URL) is a subset of the Uniform Resource Identifier (URI) that specifies where an identified resource is available and the mechanism for retrieving it. In popular usage and in many technical documents and verbal discussions it is often incorrectly used as a synonym for URI,[1] the best-known example of which is the 'address' of a web page on the World Wide Web.

you need to find a place to create a domain name - you can make a personal page free using certain websites such as yahoo but if it is business related you need to use a company (yahoo and other sites prohibit using it for business purposes). one company for a business is network solutions - http://www.networksolutions.com/

The other posters are right, but I can help you a bit more because I have a home business designing and maintaining websites. You much register a domain name (assuming it's available) and purchase hosting from a provider - then you much create a website using one of many programs out there or hire someone to do it for you. A lot of times the host will also offer this service. Feel free to send me a message and I will be happy to answer any other questions, even if you decide not to hire me.

I didn't see this answered below, but if your looking to start a blog (not a "typical" website) try Blogger.com or TypePad.com They are free.

Even if you're starting a new business, they are free and it's a good place to start until your business picks up, although most domain services (like godaddy.com) aren't terribly expensive.