name	London
map caption	London region in the United Kingdom
coordinates display	inline, title
coordinates region	GB
subdivision type	Sovereign state
subdivision name	:United Kingdom
subdivision type1	Country
subdivision name1	:England
subdivision type2	Region
subdivision name2	London
subdivision type3	Ceremonial counties
subdivision name3	City and Greater London
subdivision type4	Districts
subdivision name4	City and 32 boroughs
seat type	Headquarters
seat	City Hall
leader title	Regional authority
leader name	Greater London Authority
leader title1	Regional assembly
leader name1	London Assembly
leader title2	Mayor of London
leader name2	Boris Johnson
leader title3	UK Parliament - London Assembly - European Parliament
leader name3	74 constituencies14 constituenciesLondon constituency
established title	Settled by Romans
established date	as Londinium, c. AD 43
area magnitude	1 E9
area total sq mi	607
population as of	July 2010 est.
total type	London
population total	7,825,200
population density km2	4,978
population density sq mi	12,892
population metro	13,945,000
population urban	8,278,251
population blank1 title	Demonym
population blank1	Londoner
population blank2 title	Ethnicity(June 2009 estimates)
population blank2
timezone	GMT
utc offset	±0
timezone dst	BST
utc offset dst	+1
elevation footnotes
elevation m	24
postal code type	Postcode areas
postal code	, , , , , , , , , , , , , , , , , , , , ,
area code	020, 01322, 01689, 01708, 01737, 01895, 01923, 01959, 01992
website	london.gov.uk }}

London is the capital city of :England and the :United Kingdom, the largest metropolitan area in the United Kingdom, and the largest urban zone in the European Union by most measures. Located on the River Thames, London has been a major settlement for two millennia, its history going back to its founding by the Romans, who called it ''Londinium''. London's ancient core, the City of London, largely retains its square-mile mediaeval boundaries. Since at least the 19th century, the name London has also referred to the metropolis developed around this core. The bulk of this conurbation forms the London region and the Greater London administrative area, governed by the elected Mayor of London and the London Assembly.

London is a leading global city, with strengths in the arts, commerce, education, entertainment, fashion, finance, healthcare, media, professional services, research and development, tourism and transport all contributing to its prominence. It is the world's leading financial centre alongside New York City and has the fifth-largest city GDP in the world (and the largest in Europe). London has been described as a world cultural capital. It has the most international visitors of any city in the world and London Heathrow is the world's busiest airport by number of international passengers. London's 43 universities form the largest concentration of higher education in Europe. In 2012 London will become the first city to host the modern Summer Olympic Games three times.

London has a diverse range of peoples, cultures, and religions, and more than 300 languages are spoken within its boundaries. In July 2010 Greater London had an official population of 7,825,200, making it the most populous municipality in the European Union, and accounting for 12.5% of the UK population. The Greater London Urban Area is the second-largest in the EU with a population of 8,278,251, while London's metropolitan area is the largest in the EU with an estimated total population of between 12 million and 14 million. London had the largest population of any city in the world from around 1831 to 1925.

London contains four World Heritage Sites: the Tower of London; Kew Gardens; the site comprising the Palace of Westminster, Westminster Abbey, and St Margaret's Church; and the historic settlement of Greenwich (in which the Royal Observatory marks the Prime Meridian (0° longitude) and GMT). Other famous landmarks include Buckingham Palace, the London Eye, Piccadilly Circus, St Paul's Cathedral, Tower Bridge, Trafalgar Square and Wembley Stadium. London is home to numerous museums, galleries, libraries, sporting events and other cultural institutions, including the British Museum, National Gallery, British Library, Wimbledon and 40 theatres. The London Underground is the oldest underground railway network in the world and the second-most extensive (after the Shanghai Metro).

History

Toponymy

The etymology of ''London'' is uncertain. It is an ancient name and can be found in sources from the 2nd century. It is recorded c. 121 as ''Londinium'', which points to Romano-British origin. The earliest attempted explanation, now disregarded, is attributed to Geoffrey of Monmouth in ''Historia Regum Britanniae''. This had it that the name originated from a supposed King Lud, who had allegedly taken over the city and named it ''Kaerlud''.

From 1899 it was commonly accepted that the name was of Celtic origin and meant ''place belonging to a man called *Londinos''; this explanation has since been rejected. Richard Coates put forward an explanation in 1998 that it is derived from the pre-Celtic Old European ''*(p)lowonida'', meaning 'river too wide to ford', and suggested that this was a name given to the part of the River Thames which flows through London; from this, the settlement gained the Celtic form of its name, ''*Lowonidonjon''.

Until 1889 the name "London" officially only applied to the City of London but since then it has also referred to the County of London and now Greater London.

Prehistory and antiquity

Although there is evidence of scattered Brythonic settlements in the area, the first major settlement was founded by the Romans in 43 AD. This lasted for just seventeen years and around 61, the Iceni tribe led by Queen Boudica stormed it, burning it to the ground. The next, heavily planned incarnation of the city prospered and superseded Colchester as the capital of the Roman province of Britannia in 100. At its height during the 2nd century, Roman London had a population of around 60,000. By the 7th century, the Anglo-Saxons had created a new settlement called Lundenwic over a mile (2 km) upstream from the old Roman city, around what is now Covent Garden.

It is likely that there was a harbour at the mouth of the River Fleet for fishing and trading, and this trading grew, until the city was overcome by the Vikings and forced to move east, back to the location of the Roman ''Londinium'', in order to use its walls for protection. Viking attacks continued to increase, until 886 when Alfred the Great recaptured London and made peace with the Danish leader, Guthrum. The original Saxon city of Lundenwic became ''Ealdwic'' ("old city"), a name surviving to the present day as Aldwych, which is in the modern City of Westminster.

Two recent discoveries indicate that London could be much older than previously thought. In 1999 the remains of a Bronze Age bridge were found on the foreshore north of Vauxhall Bridge. This bridge either crossed the Thames, or went to a (lost) island in the river. Dendrology dated the timbers to 1500BC.

In 2010 the foundations of a large timber structure, dated to 4500BC, were found on the Thames foreshore, South of Vauxhall Bridge. The function of the mesolithic structure is not known, but it covers at least 50m x 10m, and numerous 30 cm posts are visible at low tides. Both structures are on South Bank, at a natural crossing point where the River Effra flows into the River Thames, and 4 km upstream from the Roman City of London. The effort required to construct these structures implies trade, stability, and a community size of several hundred people at least.

Middle Ages

With the collapse of Roman rule in the early 5th century, London was effectively abandoned. However, from the 6th century an Anglo-Saxon settlement known as Lundenwic developed slightly to the west of the old Roman city, around what is now Covent Garden and the Strand, rising to a likely population of 10–12,000. In the 9th century London was repeatedly attacked by Vikings, leading to a relocation of the city back to the location of Roman ''Londinium'', in order to use its walls for protection. Following the unification of England in the 10th century London, already the country's largest city and most important trading centre, became increasingly important as a political centre, although it still faced competition from Winchester, the traditional centre of the kingdom of Wessex.

In the 11th century King Edward the Confessor re-founded and rebuilt Westminster Abbey and Westminster, a short distance upstream from London became a favoured royal residence. From this point onward Westminster steadily supplanted the City of London itself as a venue for the business of national government.

Following his victory in the Battle of Hastings, William, Duke of Normandy, was crowned King of England in the newly finished Westminster Abbey on Christmas Day 1066. William constructed the Tower of London, the first of the many Norman castles in England to be rebuilt in stone, in the southeastern corner of the city to intimidate the native inhabitants. In 1097, William II began the building of Westminster Hall, close by the abbey of the same name. The hall became the basis of a new Palace of Westminster.

During the 12th century the institutions of central government, which had hitherto accompanied the royal court as it moved around the country, grew in size and sophistication and became increasingly fixed in one place. In most cases this was Westminster, although the royal treasury, having been moved from Winchester, came to rest in the Tower. While the City of Westminster developed into a true capital in governmental terms, its distinct neighbour, the City of London, remained England's largest city and principal commercial centre and flourished under its own unique administration, the Corporation of London. In 1100 its population was around 18,000; by 1300 it had grown to nearly 100,000.

Disaster struck during the Black Death in the mid-14th century, when London lost nearly a third of its population. London was the focus of the Peasants' Revolt in 1381.

Early modern

During the Tudor period the Reformation produced a gradual shift to Protestantism, with much of London passing from church to private ownership. Mercantilism grew and monopoly trading companies such as the East India Company were established, with trade expanding to the New World. London became the principal North Sea port, with migrants arriving from England and abroad. The population rose from an estimated 50,000 in 1530 to about 225,000 in 1605.

In the 16th century William Shakespeare and his contemporaries lived in London at a time of hostility to the development of the theatre. By the end of the Tudor period in 1603, London was still very compact. There was an assassination attempt on James I in Westminster, through the Gunpowder Plot on 5 November 1605. London was plagued by disease in the early 17th century, culminating in the Great Plague of 1665–1666, which killed up to 100,000 people, or a fifth of the population.

The Great Fire of London broke out in 1666 in Pudding Lane in the city and quickly swept through the wooden buildings. Rebuilding took over ten years and was supervised by Robert Hooke as Surveyor of London. In 1708 Christopher Wren's masterpiece, St Paul's Cathedral was completed. During the Georgian era new districts such as Mayfair were formed in the west; and new bridges over the Thames encouraged development in South London. In the east, the Port of London expanded downstream.

In 1762 George III acquired Buckingham House and it was enlarged over the next 75 years. During the 18th century, London was dogged by crime and the Bow Street Runners were established in 1750 as a professional police force. In total, more than 200 offences were punishable by death, and women and children were hanged for petty theft. Over 74 per cent of children born in London died before they were five. The coffeehouse became a popular place to debate ideas, with growing literacy and the development of the printing press making news widely available; and Fleet Street became the centre of the British press.

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Late modern and contemporary

London was the world's largest city from about 1831 to 1925. London's overcrowded conditions led to cholera epidemics, claiming 14,000 lives in 1848, and 6,000 in 1866. Rising traffic congestion led to the creation of the world's first local urban rail network. The Metropolitan Board of Works oversaw infrastructure expansion. It was replaced in 1889 by the London County Council, London's first elected city-wide administration. The Blitz and other bombing by the German ''Luftwaffe'' during World War II killed over 30,000 Londoners and destroyed large tracts of housing and other buildings across London. Immediately after the war, the 1948 Summer Olympics were held at the original Wembley Stadium, at a time when the city had barely recovered from the war.

In 1951 the Festival of Britain was held on the South Bank. The Great Smog of 1952 led to the Clean Air Act 1956, which ended the "pea-souper" fogs for which London had been notorious. From the 1940s onwards, London became home to a large number of immigrants, largely from Commonwealth countries such as Jamaica, India, Bangladesh and Pakistan, making London one of the most diverse cities in Europe.

Primarily starting in the mid-1960s, London became a centre for the worldwide youth culture, exemplified by the Swinging London subculture associated with The King's Road, Chelsea and Carnaby Street. The role of trendsetter was revived during the punk era. In 1965 London's political boundaries were expanded to take into account the growth of the urban area and a new Greater London Council was created. During The Troubles in Northern Ireland, London was subjected to bombing attacks by the Provisional IRA. Racial inequality was highlighted by the 1981 Brixton riot. Greater London's population declined steadily in the decades after World War II, from an estimated peak of 8.6 million in 1939 to around 6.8 million in the 1980s. The principal ports for London moved downstream to Felixstowe and Tilbury, with the London Docklands area becoming a focus for regeneration as the Canary Wharf development. This was borne out of London's ever-increasing role as a major international financial centre during the 1980s.

The Thames Barrier was completed in the 1980s to protect London against tidal surges from the North Sea. The Greater London Council was abolished in 1986, which left London as the only large metropolis in the world without a central administration. In 2000, London-wide government was restored, with the creation of the Greater London Authority. To celebrate the start of the 21st century, the Millennium Dome, London Eye and Millennium Bridge were constructed. On 7 July 2005, three London Underground trains and a double-decker bus were bombed in a series of terrorist attacks.

Government

Local government

The administration of London is formed of two tiers—a city-wide, strategic tier and a local tier. City-wide administration is coordinated by the Greater London Authority (GLA), while local administration is carried out by 33 smaller authorities. The GLA consists of two elected components; the Mayor of London, who has executive powers, and the London Assembly, who scrutinise the mayor's decisions and can accept or reject his budget proposals each year. The headquarters of the GLA is City Hall, Southwark; the current mayor is Boris Johnson. The mayor's statutory planning strategy is published as the London Plan, which is being revised, for final publication in 2011. The local authorities are the councils of the 32 London boroughs and the City of London Corporation. They are responsible for most local services, such as local planning, schools, social services, local roads and refuse collection. Certain functions, such as waste management, are provided through joint arrangements. In 2009-2010 the combined revenue expenditure by London councils and the GLA amounted to just over 22 billion ₤ (14.7 billion ₤ for the boroughs and 7.4 billion ₤ for the GLA)

Policing in Greater London, with the exception of the City of London, is provided by the Metropolitan Police Force, overseen by the Metropolitan Police Authority. The City of London has its own police force – the City of London Police. The British Transport Police are responsible for police services on National Rail and London Underground services in the capital.

The London Fire Brigade is the statutory fire and rescue service for Greater London. It is run by the London Fire and Emergency Planning Authority and is the third-largest fire service in the world. National Health Service ambulance services are provided by the London Ambulance Service (LAS) NHS Trust, the largest free at the point of use emergency ambulance service in the world. The London Air Ambulance charity operates in conjunction with the LAS where required. Her Majesty's Coastguard and the Royal National Lifeboat Institution operate on the River Thames.

National government

London is the seat of the Government of the United Kingdom, which is located around the Palace of Westminster. Many government departments are located close to Parliament, particularly along Whitehall, including the Prime Minister's residence at 10 Downing Street. The British Parliament is often referred to as the "Mother of Parliaments" (although this ''sobriquet'' was first applied to England itself by John Bright) because it has been the model for most other parliamentary systems, and its Acts have created many other parliaments.

Geography

Scope

Greater London is the top-level administrative subdivision covering London. The small, ancient City of London at its core once contained the whole settlement, but as the urban area grew the City Corporation resisted attempts to amalgamate it with its suburbs, causing "London" to be defined in a number ways for different purposes; and the situation was once open to legal debate. Forty per cent of Greater London is covered by the London post town, within which 'LONDON' forms part of postal addresses.

The London telephone area code (020) covers a larger area, similar in size to Greater London, although some outer districts are omitted and some places just outside are included. The area within the orbital M25 motorway is normally what is referred to as 'London'. and the Greater London boundary has been aligned to it in places.

Outward urban expansion is now prevented by the Metropolitan Green Belt, although the built-up area extends beyond the boundary in places, resulting in a separately defined Greater London Urban Area. Beyond this is the vast London commuter belt. Greater London is split for some purposes into Inner London and Outer London. The city is split by the River Thames into North and South, with an informal central London area in its interior. The coordinates of the nominal centre of London, traditionally considered to be the original Eleanor Cross at Charing Cross near the junction of Trafalgar Square and Whitehall, are approximately .

Status

Within London, both the City of London and the City of Westminster have city status and both the City of London and the remainder of Greater London are the ceremonial counties. The current area of Greater London has incorporated areas that were once part of the counties of Middlesex, Kent, Surrey, Essex and Hertfordshire. London's status as the capital of England, and later the United Kingdom, has never been granted or confirmed officially—by statute or in written form.

Its position was formed through constitutional convention, making its status as ''de facto'' capital a part of the UK's unwritten constitution. The capital of England was moved to London from Winchester as the Palace of Westminster developed in the 12th and 13th centuries to become the permanent location of the royal court, and thus the political capital of the nation. More recently, Greater London has been defined as a region of England and in this context known as ''London''.

Topography

Greater London covers an area of , an area which had a population of 7,172,036 in 2001 and a population density of . A larger area, referred to as the London Metropolitan Region or the London Metropolitan Agglomeration covers an area of has a population of 12,653,500 and a population density of . Modern London stands on the Thames, its primary geographical feature, a navigable river which crosses the city from the south-west to the east. The Thames Valley is a floodplain surrounded by gently rolling hills including Parliament Hill, Addington Hills, and Primrose Hill. The Thames was once a much broader, shallower river with extensive marshlands; at high tide, its shores reached five times their present width.

Since the Victorian era the Thames has been extensively embanked, and many of its London tributaries now flow underground. The Thames is a tidal river, and London is vulnerable to flooding. The threat has increased over time due to a slow but continuous rise in high water level by the slow 'tilting' of Britain (up in the north and down in the south) caused by post-glacial rebound.

In 1974, a decade of work began on the construction of the Thames Barrier across the Thames at Woolwich to deal with this threat. While the barrier is expected to function as designed until roughly 2070, concepts for its future enlargement or redesign are already being discussed.

Climate

London has a temperate oceanic climate, similar to much of southern Britain. Despite its reputation as being a rainy city, London interestingly receives less precipitation in a year than Rome at , or Bordeaux at , do. Winters are generally chilly to cold with frost usually occurring in the suburbs on average twice a week from November to March. Snow usually occurs about 4 or 5 times a year mostly from December to February. Snowfall during March and April is rare but does occur every 2–3 years. Winter temperatures seldom fall below or rise above . During the winter of 2010, London experienced its lowest temperature on record () in Northolt and the heaviest snow seen for almost two decades, a huge strain on London's transport infrastructure. Summers are generally warm and sometimes hot, the heat being boosted by the Urban heat island effect making the centre of London at times 5°C (9°F) warmer than the suburbs and outskirts. London's summer average is a comfortable . On average there are 7 days a year above and 2 days a year above . Temperatures of 26°C (80°F) usually occur on a weekly basis from mid- June to late August. During the 2003 European heat wave there were 14 consecutive days above and 2 consecutive days where temperatures soared up to , leading to hundreds of heat related deaths. Rain generally occurs on around 2 out of 10 summer days. Spring and Autumn are mixed seasons and can be pleasant. In 2011, October 1st reached and in April 2011 it reached . However in recent years both of these months have also had snowfall. Temperature extremes range from to .

Districts

London's vast urban area is often described using a set of district names, such as Bloomsbury, Mayfair, Wembley and Whitechapel. These are either informal designations, reflect the names of villages that have been absorbed by sprawl, or are superseded administrative units such as parishes or former boroughs.

Such names have remained in use through tradition, each referring to a local area with its own distinctive character, but without current official boundaries. Since 1965 Greater London has been divided into 32 London boroughs in addition to the ancient City of London. The City of London is the main financial district and Canary Wharf has recently developed into a new financial and commercial hub, in the Docklands to the east.

The West End is London's main entertainment and shopping district, attracting tourists. West London includes expensive residential areas where properties can sell for tens of millions of pounds. The average price for properties in Kensington and Chelsea is £894,000 with similar average outlay in most of central London.

The East End is the area closest to the original Port of London, known for its high immigrant population, as well as for being one of the poorest areas in London. The surrounding East London area saw much of London's early industrial development; now, brownfield sites throughout the area are being redeveloped as part of the Thames Gateway including the London Riverside and Lower Lea Valley, which is being developed into the Olympic Park for the 2012 Olympics and Paralympics.

Architecture

London's buildings are too diverse to be characterised by any particular architectural style, partly due to their varying ages. Many grand houses and public buildings, such as the National Gallery, are constructed from Portland stone. Some areas of the city, particularly those just west of the centre, are characterised by white stucco or whitewashed buildings. Few structures in Central London pre-date the Great Fire of 1666, these being a few trace Roman remains, the Tower of London and a scattered Tudor survivors in the City. Further out is, for example, the Tudor period Hampton Court Palace, England's oldest surviving Tudor palace, built by Cardinal Thomas Wolsey circa 1515. Wren's late seventeenth century churches and the financial institutions of the eighteenth and nineteenth centuries such as the Royal Exchange and the Bank of England, to the early twentieth century Old Bailey and the 1960s Barbican Estate form part of the varied architectural heritage.

The disused, but soon to be rejuvenated, 1939 Battersea Power Station by the river in the southwest is a local landmark, while some railway termini are excellent examples of Victorian architecture, most notably St. Pancras and Paddington. The density of London varies, with high employment density in the central area, high residential densities in inner London and lower densities in the suburbs.

The Monument in the City of London provides views of the surrounding area while commemorating the Great Fire of London, which originated nearby. Marble Arch and Wellington Arch, at the north and south ends of Park Lane respectively, have royal connections, as do the Albert Memorial and Royal Albert Hall in Kensington. Nelson's Column is a nationally recognised monument in Trafalgar Square, one of the focal points of the city centre.

High-rise development is restricted at certain sites if it would obstruct protected views of St Paul's Cathedral. Nevertheless, there are plans for more skyscrapers in central London ''(see Tall buildings in London)'', including the 72-storey Shard London Bridge which is currently under construction. Development temporarily stalled as a result of the recent financial crisis, but is reported to be recovering. Older buildings are mainly brick built, most commonly the yellow London stock brick or a warm orange-red variety, often decorated with carvings and white plaster mouldings.

In the dense areas, most of the concentration is achieved with medium- and high-rise buildings. London's skyscrapers such as 30 St Mary Axe, Tower 42, the Broadgate Tower and One Canada Square are usually found in the two financial districts, the City of London and Canary Wharf. Other notable modern buildings include City Hall in Southwark with its distinctive oval shape, and the British Library in Somers Town/Kings Cross. What was formerly the Millennium Dome, located by the Thames to the east of Canary Wharf, is now used as an entertainment venue called The O2 Arena.

Parks and gardens

The largest parks in the central area of London are the Royal Parks of Hyde Park, its neighbour Kensington Gardens at the western edge of central London and Regent's Park on the northern edge. Regent's Park contains London Zoo, the world's oldest scientific zoo, and is located near the tourist attraction of Madame Tussauds Wax Museum.

Closer to central London are the smaller Royal Parks of Green Park and St. James's Park. Hyde Park in particular is popular for sports and sometimes hosts open-air concerts. A number of large parks lie outside the city centre, including the remaining Royal Parks of Greenwich Park to the south-east and Bushy Park and Richmond Park to the south-west, as well as Victoria Park, East London to the east. Primrose Hill to the north of Regent's Park is a popular spot to view the city skyline.

Some more informal, semi-natural open spaces also exist, including the Hampstead Heath of North London. This incorporates Kenwood House, the former stately home and a popular location in the summer months where classical musical concerts are held by the lake, attracting thousands of people every weekend to enjoy the music, scenery and fireworks.

Demography

With increasing industrialisation, London's population grew rapidly throughout the 19th and early 20th centuries, and it was for some time in the late 19th and early 20th centuries the most populous city in the world until overtaken by New York in 1925. Its population peaked at 8,615,245 in 1939 immediately before the outbreak of the Second World War. There were an estimated 7,556,900 official residents in Greater London .

However, London's continuous urban area extends beyond the borders of Greater London and was home to 8,278,251 people in 2001, while its wider metropolitan area has a population of between 12 and 14 million depending on the definition used. According to Eurostat, London is the most populous city and metropolitan area of the European Union and the second most populous in Europe (or third if Istanbul is included). During the period 1991–2001 a net 726,000 immigrants arrived in London.

The region covers an area of . The population density is , more than ten times that of any other British region. In terms of population, London is the 25th largest city and the 18th largest metropolitan region in the world. It is also ranked 4th in the world in number of billionaires (United States Dollars) residing in the city. London ranks as one of the most expensive cities in the world, alongside Tokyo and Moscow.

Ethnic groups

According to the Office for National Statistics, based on 2009 estimates, 69.7 per cent of the 7,753,600 inhabitants of London were White, with 59.5 per cent White British, 2.2 per cent White Irish and 8.0 per cent classified as Other White. Some 13.2 per cent are of South Asian descent, with Indians making up 6.2 per cent of London's population, followed by Pakistanis and Bangladeshis at 2.8 per cent and 2.2 per cent respectively. 2.0 per cent are categorised as "Other Asian". 10.1 per cent of London's population are Black, with around 5.3 per cent being Black African, 4.0 per cent as Black Caribbean and 0.8 per cent as "Other Black". 3.5 per cent of Londoners are of mixed race; 1.8 per cent are Chinese; and 1.7 per cent belong to another ethnic group.

Across London, Black and Asian children outnumber White British children by about six to four in state schools. However, White children represent 62 per cent of London's 1,498,700 population aged 0 to 15 as of 2009 estimates from the Office for National Statistics, with 55.7 per cent of the population aged 0 to 15 being White British, 0.7 per cent being White Irish and 5.6 per cent being from other EU White backgrounds. In January 2005, a survey of London's ethnic and religious diversity claimed that there were more than 300 languages spoken and more than 50 non-indigenous communities which have a population of more than 10,000 in London. Figures from the Office for National Statistics show that, , London's foreign-born population is 2,650,000 (33 per cent), up from 1,630,000 in 1997.

The 2001 census showed that 27.1 per cent of Greater London's population were born outside the UK. The table to the right shows the 20 most common foreign countries of birth of London residents in 2001, the date of the last published UK Census. A portion of the German-born population are likely to be British nationals born to parents serving in the British Armed Forces in Germany. Estimates produced by the Office for National Statistics indicate that the five largest foreign-born groups living in London in the period July 2009 to June 2010 were those born in India, Poland, the Republic of Ireland, Bangladesh and Nigeria.

Religion

{{bar box |title=Religion in London |titlebar=#ddd |left1=Religion |right1=Percent |float=left |bars= }}

The majority of Londoners – 58.2 per cent – identify themselves as Christians. This is followed by those of no religion (15.8 per cent), Muslims (8.5 per cent), Hindus (4.1 per cent), Jews (2.1 per cent), Sikhs (1.5 per cent), Buddhists (0.8 per cent) and other (0.2 per cent), though 8.7 per cent of people did not answer this question in the 2001 Census.

London has traditionally been Christian, and has a large number of churches, particularly in the City of London. The well-known St Paul's Cathedral in the City and Southwark Cathedral south of the river are Anglican administrative centres, while the Archbishop of Canterbury, principal bishop of the Church of England and worldwide Anglican Communion, has his main residence at Lambeth Palace in the London Borough of Lambeth.

Important national and royal ceremonies are shared between St Paul's and Westminster Abbey. The Abbey is not to be confused with nearby Westminster Cathedral, which is the largest Roman Catholic cathedral in England and Wales. Despite the prevalence of Anglican churches, observance is very low within the Anglican denomination. Church attendance continues on a long, slow, steady decline, according to Church of England statistics.

London is also home to sizeable Muslim, Hindu, Sikh, and Jewish communities. Many Muslims live in Tower Hamlets and Newham; the most important Muslim edifice is London Central Mosque on the edge of Regent's Park. Following the oil boom, increasing numbers of wealthy Middle-Eastern Muslims have based themselves around Mayfair and Knightsbridge in west London. London is home to the largest mosque in western Europe, the Baitul Futuh Mosque, of the Ahmadiyya Muslim Community London's large Hindu community is found in the north-western boroughs of Harrow and Brent, the latter of which is home to one of Europe's largest Hindu temples, Neasden Temple. Sikh communities are located in East and West London, which is also home to the largest Sikh temple in the world outside India.

The majority of British Jews live in London, with significant Jewish communities in Stamford Hill, Stanmore, Golders Green, Hampstead, Hendon and Edgware in North London. Stanmore and Canons Park Synagogue has the largest membership of any single Orthodox synagogue in the whole of Europe, overtaking Ilford synagogue (also in London) in 1998. The community set up the London Jewish Forum in 2006 in response to the growing significance of devolved London Government.

Economy

London generates approximately 20 per cent of the UK's GDP (or $446 billion in 2005); while the economy of the London metropolitan area—the largest in Europe—generates approximately 30 per cent of the UK's GDP (or an estimated $669 billion in 2005). London is one of the pre-eminent financial centres of the world and vies with New York City as the most important location for international finance.

London's largest industry is finance, and its financial exports make it a large contributor to the UK's balance of payments. Around 325,000 people were employed in financial services in London until mid-2007. London has over 480 overseas banks, more than any other city in the world. Currently, over 85% (3.2 million) of the employed population of greater London works in the services industries. Due to its prominent global role, London's economy has been affected by the late-2000s financial crisis. The City of London estimates that 70,000 jobs in finance will be cut within a year. The City of London is home to the Bank of England, London Stock Exchange, and Lloyd's of London insurance market.

Over half of the UK's top 100 listed companies (the FTSE 100) and over 100 of Europe's 500 largest companies have their headquarters in central London. Over 70 per cent of the FTSE 100 are located within London's metropolitan area, and 75 per cent of Fortune 500 companies have offices in London.

Along with professional services, media companies are concentrated in London and the media distribution industry is London's second most competitive sector. The BBC is a significant employer, while other broadcasters also have headquarters around the City. Many national newspapers are edited in London. London is a major retail centre and in 2010 had the highest non-food retail sales of any city in the world, with a total spend of around £64.2 billion. The Port of London is the second-largest in the United Kingdom, handling 45 million tonnes of cargo each year.

London has five major business districts: the City, Westminster, Canary Wharf, Camden & Islington and Lambeth & Southwark. One way to get an idea of their relative importance is to look at relative amounts of office space: Greater London had 27 million m² of office space in 2001, and the City contains the most space, with 8 million m² of office space. London has some of the highest real estate prices in the world.

Tourism

Tourism is one of London's prime industries and employs the equivalent of 350,000 full-time workers in London in 2003, while annual expenditure by tourists is around £15 billion. London attracts over 14 million international visitors per year, making it the world's most visited city. London attracts 27 million overnight-stay visitors every year.

In 2009 the ten most-visited attractions in London were: # British Museum # National Gallery # Tate Modern # Natural History Museum # London Eye # Science Museum # Tower of London # National Maritime Museum # Victoria and Albert Museum # Madame Tussauds

Transport

Transport is one of the four main areas of policy administered by the Mayor of London, however the mayor's financial control does not extend to the longer distance rail network that enters London. In 2007 he assumed responsibility for some local lines, which now form the London Overground network, adding to the existing responsibility for the London Underground, trams and buses. The public transport network is administered by Transport for London (TfL) and is one of the most extensive in the world. Cycling is an increasingly popular way to get around London. The London Cycling Campaign lobbies for better provision.

The lines that formed the London Underground, as well as trams and buses, became part of an integrated transport system in 1933 when the London Passenger Transport Board (LPTB) or ''London Transport'' was created. Transport for London (TfL), is now the statutory corporation responsible for most aspects of the transport system in Greater London, and is run by a board and a commissioner appointed by the Mayor of London.

Air

thumb|left|[[London Heathrow Airport|Heathrow (terminal 5 pictured) is the busiest airport in the world for international traffic.|alt=]] London is a major international air transport hub with the largest city airspace in the world. Eight airports use the word ''London'' in their name, but most traffic passes through six of these. London Heathrow Airport, in Hillingdon, West London, is the busiest airport in the world for international traffic, and is the major hub of the nation's flag carrier, British Airways. In March 2008 its fifth terminal was opened. There were plans for a third runway and a sixth terminal however these were cancelled by the Coalition Government on 12 May 2010. In September 2011 a personal rapid transit system was opened at Heathrow to connect to a nearby car park.

Similar traffic, with the addition of some low-cost short-haul flights, is also handled at London Gatwick Airport, located south of London in West Sussex.

Stansted Airport, situated north east of London in Essex, is the main UK hub for Ryanair and Luton Airport to the north of London in Bedfordshire, caters mostly for low-cost short-haul flights. London City Airport, the smallest and most central airport, is focused on business travellers, with a mixture of full service short-haul scheduled flights and considerable business jet traffic.

London Southend Airport, east of London in Essex, is a smaller, regional airport that mainly caters for low-cost short-haul flights. It recently went through a large redevelopment project including a brand new terminal, extended runway and a new train station offering fast links into the capital. EasyJet currently have a base at the airport.

Buses and trams

London's bus network is one of the largest in the world, running 24 hours a day, with 8,000 buses, 700 bus routes, and over 6 million passenger journeys made every weekday. In 2003, the network had an estimated 1.5 billion commuter trips per annum, more than the Underground. Around £850 million is taken in revenue each year. London has the largest wheelchair accessible network in the world and, from the 3rd quarter of 2007, became more accessible to hearing and visually impaired passengers as audio-visual announcements were introduced. The distinctive red double-decker buses are internationally recognised, and are a trademark of London transport along with black cabs and the Tube.

London has a modern tram network, known as Tramlink, based in Croydon in South London. The network has 39 stops, three routes and carried 26.5 million people in 2008. Since June 2008 Transport for London has completely owned Tramlink and plans to spend £54m by 2015 on maintenance, renewals, upgrades and capacity enhancements. Since April 2009 all trams have been refurbished.

Cycling

Cycling in London has enjoyed a renaissance since the turn of the Millennium. Cyclists enjoy a cheaper, and often quicker, way around town than those by public transport or car, and the launch of the Barclays Cycle Hire scheme in July 2010 has been successful and generally well-received.

Port

From being the largest port in the world, the Port of London is now only the second-largest in the United Kingdom, handling 45 million tonnes of cargo each year. Most of this actually passes through the Port of Tilbury, outside the boundary of Greater London.

Rail

The London Underground — all of which is now commonly referred to as the Tube, though originally this designation referred only to the deep-level lines, as distinct from the sub-surface lines — is the oldest, and second longest metro system in the world, dating from 1863. The system serves 270 stations and was formed from several private companies, including the world's first underground electric line, the City and South London Railway.

Over three million journeys are made every day on the Underground network, over 1 billion each year. An investment programme is attempting to address congestion and reliability problems, including £7 billion (€10 billion) of improvements planned for the 2012 Summer Olympics. London has been commended as the city with the best public transport. The Docklands Light Railway, which opened in 1987, is a second, more local metro system using smaller and lighter tram-type vehicles which serve Docklands and Greenwich.

There is an extensive above-ground suburban railway network, particularly in South London, which has fewer Underground lines. London houses Britain's busiest station – Waterloo with over 184 million people using the interchange station complex (which includes Waterloo East station) each year. The stations have services to South East and South West London, and also parts of South East and South West England. Most rail lines terminate around the centre of London, running into eighteen terminal stations with the exception of the Thameslink trains connecting Bedford in the north and Brighton in the south via Luton and Gatwick airports.

Since 2007 high-speed Eurostar trains link St. Pancras International with Lille, Paris, and Brussels. Journey times to Paris and Brussels of two-and-a-quarter hours and one hour 50 minutes respectively make London closer to continental Europe than the rest of Britain by virtue of the High Speed 1 rail link to the Channel Tunnel while the first high speed domestic trains started in June 2009 linking Kent to London.

Roads

Although the majority of journeys involving central London are made by public transport, car travel is common in the suburbs. The inner ring road (around the city centre), the North and South Circular roads (in the suburbs), and the outer orbital motorway (the M25, outside the built-up area) encircle the city and are intersected by a number of busy radial routes—but very few motorways penetrate into inner London. The M25 is the longest ring-road motorway in the world at long. The A1 and M1 connect London to Edinburgh, Leeds and Newcastle.

A plan for a comprehensive network of motorways throughout the city (the Ringways Plan) was prepared in the 1960s but was mostly cancelled in the early 1970s. In 2003, a congestion charge was introduced to reduce traffic volumes in the city centre. With a few exceptions, motorists are required to pay £10 per day to drive within a defined zone encompassing much of congested central London. Motorists who are residents of the defined zone can buy a vastly reduced season pass which is renewed monthly and is cheaper than a corresponding bus fare. London is notorious for its traffic congestion, with the M25 motorway the busiest stretch in the country. The average speed of a car in the rush hour is . London government initially anticipated the Congestion Charge Zone to increase daily peak period Underground and bus users by 20,000 people, reduce traffic by ten to fifteen percent, increase traffic speeds by ten to fifteen percent, and reduce queues by twenty to thirty percent. Over the course of several years, the average number of cars entering the centre of London on a weekday was reduced from 195,000 to 125,000 cars – this is a 35-percent reduction of vehicles driven per day.

Education

Tertiary education

London is a major centre of higher education teaching and research and its 43 universities form the largest concentration of higher education in Europe. In 2008/09 it had a higher education student population of around 412,000 (approximately 17 per cent of the UK total), of whom around 287,000 were registered for undergraduate degrees and 118,000 were studying at postgraduate level. In 2008/09 there were around 97,150 international students in London, approximately 25 per cent of all international students in the UK.

A number of world-leading education institutions are based in London. In the 2011 ''QS World University Rankings'' Imperial College London is ranked 6th, University College London (UCL) 7th and King's College London 27th in the world. The London School of Economics has been described as the world's leading social science institution for both teaching and research. The London Business School is considered one of the world's leading business schools and in 2010 its MBA programme was ranked best in the world by the ''Financial Times''.

With 125,000 students, the federal University of London is the largest contact teaching university in Europe. It includes four large multi-faculty universities – King's College London, Queen Mary, Royal Holloway and UCL – and a number of smaller and more specialised institutions including Birkbeck, the Courtauld Institute of Art, Goldsmiths, Guildhall School of Music and Drama, the Institute of Education, the London Business School, the London School of Economics, the London School of Hygiene & Tropical Medicine, the Royal Academy of Music, the Central School of Speech and Drama, the Royal Veterinary College and the School of Oriental and African Studies. Members of the University of London have their own admissions procedures, and some award their own degrees.

There are a number of universities in London which are outside of the University of London system, including Brunel University, City University London, Imperial College London, Kingston University, London Metropolitan University (with over 34,000 students, the largest unitary university in London), London South Bank University, Middlesex University, University of the Arts London (the largest university of art, design, fashion, communication and the performing arts in Europe), University of East London, the University of West London and the University of Westminster. In addition there are three international universities in London – Regent's College, Richmond University and Schiller International University.

London is home to five major medical schools – Barts and The London School of Medicine and Dentistry (part of Queen Mary), King's College London School of Medicine (the largest medical school in Europe), Imperial College School of Medicine, UCL Medical School and St George's, University of London – and has a large number of affiliated teaching hospitals. It is also a major centre for biomedical research, and three of the UK's five academic health science centres are based in the city – Imperial College Healthcare, King's Health Partners and UCL Partners (the largest such centre in Europe). There are a number of business schools in London, including Cass Business School (part of City University London), ESCP Europe, European Business School London, Imperial College Business School and the London Business School. London is also home to many specialist arts education institutions, including the Academy of Live and Recorded Arts, the London Contemporary Dance School, RADA, the Royal College of Art, the Royal College of Music and Trinity Laban.

Primary and secondary education

The majority of primary and secondary schools in London are state schools and are controlled by the London boroughs, although there are also a number of private schools in London, including old and famous schools such as the City of London School, Harrow, St Paul's School, University College School, Highgate School and Westminster School.

Culture

Accent

The London accent long ago acquired the Cockney label, and was similar to many accents of the South East of England. The accent of a 21st century 'Londoner' varies widely; what is becoming more and more common amongst the under 30s however is some fusion of Cockney, Received Pronunciation, and a whole array of 'ethnic' accents, in particular Caribbean, which form an accent labelled Multicultural London English (MLE).

Leisure and entertainment

Within the City of Westminster, the entertainment district of the West End has its focus around Leicester Square, where London and world film premieres are held, and Piccadilly Circus, with its giant electronic advertisements. London's theatre district is here, as are many cinemas, bars, clubs and restaurants, including the city's Chinatown district (in Soho), and just to the east is Covent Garden, an area housing speciality shops. The United Kingdom's Royal Ballet, English National Ballet, Royal Opera and English National Opera are based in London and perform at the Royal Opera House, the London Coliseum, Sadler's Wells Theatre and the Royal Albert Hall as well as touring the country.

Islington's long Upper Street, extending northwards from the Angel, has more bars and restaurants than any other street in the United Kingdom. Europe's busiest shopping area is Oxford Street, a shopping street nearly long, making it the longest shopping street in the United Kingdom. Oxford Street is home to vast numbers of retailers and department stores, including the world-famous Selfridges flagship store. Knightsbridge, home to the equally renowned Harrods department store, lies to the southwest.

London is home to designers Vivienne Westwood, Galliano, Stella McCartney, Manolo Blahnik, and Jimmy Choo among others; its renowned art and fashion schools make it an international centre of fashion alongside Paris, Milan and New York. London offers a great variety of cuisine as a result of its ethnically diverse population. Gastronomic centres include the Bangladeshi restaurants of Brick Lane and the Chinese food restaurants of Chinatown.

There is a variety of annual events, beginning with the relatively new New Year's Day Parade, fireworks display at the London Eye, the world's second largest street party, the Notting Hill Carnival is held during the late August Bank Holiday each year. Traditional parades include November's Lord Mayor's Show, a centuries-old event celebrating the annual appointment of a new Lord Mayor of the City of London with a procession along the streets of the City, and June's Trooping the Colour, a formal military pageant performed by regiments of the Commonwealth and British armies to celebrate the Queen's Official Birthday.

Literature, film and television

London has been the setting for many works of literature. The literary centres of London have traditionally been hilly Hampstead and (since the early 20th century) Bloomsbury. Writers closely associated with the city are the diarist Samuel Pepys, noted for his eyewitness account of the Great Fire, Charles Dickens, whose representation of a foggy, snowy, grimy London of street sweepers and pickpockets has been a major influence on people's vision of early Victorian London, and Virginia Woolf, regarded as one of the foremost modernist literary figures of the 20th century.

The pilgrims in Geoffrey Chaucer's late 14th-century Canterbury Tales set out for Canterbury from London – specifically, from the Tabard inn, Southwark. William Shakespeare spent a large part of his life living and working in London; his contemporary Ben Jonson was also based there, and some of his work—most notably his play ''The Alchemist''—was set in the city. ''A Journal of the Plague Year'' (1722) by Daniel Defoe is a fictionalisation of the events of the 1665 Great Plague. Later important depictions of London from the 19th and early 20th centuries are Dickens' novels, and Arthur Conan Doyle's Sherlock Holmes stories. Modern writers pervasively influenced by the city include Peter Ackroyd, author of a "biography" of London, and Iain Sinclair, who writes in the genre of psychogeography.

London was the setting for the films ''Oliver Twist'' (1948), ''Peter Pan'' (1953), ''The Ladykillers'' (1955), ''The 101 Dalmatians'' (1961), ''Mary Poppins'' (1964), ''Blowup'' (1966), ''The Long Good Friday'' (1980), ''Secrets & Lies'' (1996), ''Notting Hill'' (1999), ''Match Point'' (2005), ''V For Vendetta'' (2005) and ''Sweeney Todd: The Demon Barber Of Fleet Street'' (2008). The television soap opera ''EastEnders'', first broadcast in 1985, is also set in the city. London has played a significant role in the film industry, and has major studios at Ealing and a special effects and post-production community centred in Soho. Working Title Films has its headquarters in London.

Museums and art galleries

London is home to many museums, galleries, and other institutions, many of which are free of admission charges and are major tourist attractions as well as playing a research role. The first of these to be established was the British Museum in Bloomsbury, in 1753. Originally containing antiquities, natural history specimens and the national library, the museum now has 7 million artefacts from around the globe. In 1824 the National Gallery was founded to house the British national collection of Western paintings; this now occupies a prominent position in Trafalgar Square. In the latter half of the nineteenth century the locale of South Kensington was developed as "Albertopolis", a cultural and scientific quarter. Three major national museums are located there: the Victoria and Albert Museum (for the applied arts), the Natural History Museum and the Science Museum. The national gallery of British art is at Tate Britain, originally established as an annexe of the National Gallery in 1897. The Tate Gallery, as it was formerly known, also became a major centre for modern art; in 2000 this collection moved to Tate Modern, a new gallery housed in the former Bankside Power Station.

Music

London is one of the major classical and popular music capitals of the world and is home to major music corporations, such as EMI, as well as countless bands, musicians and industry professionals. The city is also home to many orchestras and concert halls, such as the Barbican Arts Centre (principal base of the London Symphony Orchestra), Cadogan Hall (Royal Philharmonic Orchestra) and the Royal Albert Hall (The Proms).

London was instrumental in the development of punk music, with figures such as the Sex Pistols, The Clash, and Vivienne Westwood all based in the city. More recent artists to emerge from the London music scene include Bananarama, Wham!, The Escape Club, Bush, East 17, Siouxsie and the Banshees, the Spice Girls, Jamiroquai,Blur, Supergrass, The Libertines, Babyshambles, Bloc Party, Amy Winehouse, Adele, Coldplay, and George Michael. London is also a centre for urban music. In particular the genres UK garage, drum and bass, dubstep and grime evolved in the city from the foreign genres of hip hop and reggae, alongside local drum and bass. Black music station BBC 1Xtra was set up to support the rise of home-grown urban music both in London and the rest of the UK.

Sports

London has hosted the Summer Olympics twice, in 1908 and 1948. In July 2005 London was chosen to host the Olympic and Paralympic Games in 2012, which will make it the first city in the world to host the Summer Olympics three times. London was also the host of the British Empire Games in 1934. London will host the 2017 World Championships in Athletics. London's most popular sport is football and it has fourteen League football clubs, including five in the Premier League: Arsenal, Chelsea, Fulham, Queens Park Rangers and Tottenham Hotspur.

London also has four rugby union teams in the Aviva Premiership (London Irish, Saracens, Wasps and Harlequins), although only the Harlequins play in London (all the other three now play outside Greater London, although Saracens still play within the M25). The other two professional rugby union teams in the city are second division clubs London Welsh and London Scottish, that play home matches in the city. The city has other very traditional rugby union clubs, famously Richmond F.C., Rosslyn Park F.C., Westcombe Park R.F.C. and Blackheath F.C..

There are currently three professional rugby league clubs in London – London Broncos who play in the European Super League at The Stoop and the Championship One side the London Skolars (based in Wood Green, London Borough of Haringey) Hemel Stags based in Hemel Hempstead, north of London will play in the Championship One from 2013. Numbers for juniors playing the sport in the city are at an all time high with several earning full England caps at international level. In November 2011 Wembley Stadium will host a Gillette 4 Nations double-header including England v Australia and Wales v New Zealand.

From 1924, the original Wembley Stadium was the home of the English national football team, and served as the venue for the FA Cup final as well as rugby league's Challenge Cup final. The new Wembley Stadium serves exactly the same purposes and has a capacity of 90,000. Twickenham Stadium in south-west London is the national rugby union stadium, and has a capacity of 84,000 now that the new south stand has been completed.

Cricket in London is served by two Test cricket grounds Lord's (home of Middlesex C.C.C.) in St John's Wood and the Oval (home of Surrey C.C.C.) in Kennington. Lord's has hosted four finals of the Cricket World Cup. One of London's best-known annual sports competitions is the Wimbledon Tennis Championships, held at the All England Club in the south-western suburb of Wimbledon. Other key events are the annual mass-participation London Marathon which sees some 35,000 runners attempt a course around the city, and the Oxford and Cambridge Boat Race on the River Thames between Putney and Mortlake.

Twin cities

There are 46 other places on six continents named after London. As well as London's twinning, the London boroughs have twinnings with parts of other cities across the world. Shown below is the list of cities that the Greater London Authority has twinning arrangements with: La Paz Arequipa Berlin Delhi Bogotá Johannesburg Kuala Lumpur Kuwait City Moscow New York City Oslo Sylhet Shanghai Seoul Tehran – Since 1993 The following cities have a friendship agreement with London: Algiers Baku Beijing Bucharest Buenos Aires Delhi Dhaka Istanbul Los Angeles Mumbai (Bombay) Paris Podgorica Rome Sofia Tokyo Zagreb

See also

''Outline of England''

Notes

References

Bibliography

Porter, Roy. ''History of London'' (1995), by a leading historian

External links

British Pathé Digitalised archive containing hundreds of films of 20th century London

London in ''British History Online'', with links to numerous authoritative online sources

VisitLondon.com – Official London site

Office for National Statistics: Focus on London 2007 – compendium of official statistics

Museum of London Group Portal – Home

Transport for London (TfL) – city transport authority

Map of Early Modern London Historical Map & Encyclopaedia of Shakespeare's London. Scholarly

London.gov.uk – Official site for the government of London by the Greater London Authority covering the Office of Mayor of London and the London Assembly

The London Wiki

Category:Articles including recorded pronunciations (UK English) Category:Arthurian locations Category:British capitals Category:Capitals in Europe Category:Host cities of the Commonwealth Games Category:Host cities of the Summer Olympic Games Category:Populated places established in the 1st century Category:Port cities and towns in the United Kingdom Category:Robin Hood locations Category:Staple ports

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Harrow is an area in the London Borough of Harrow, northwest London, United Kingdom. It is a suburban area and is situated 12.2 miles (16.4 km) northwest of Charing Cross. Harrow was a municipal borough of Middlesex before its inclusion in Greater London in 1965.

Harrow is home to a large University of Westminster campus and is widely known for Harrow School, with Harrow County School also located in the area.

Harrow is one of the major metropolitan centres identified in the London Plan. In the draft replacement London Plan, the Harrow and Wealdstone Intensification Area is identified as a location for the construction of at least 1,500 new homes and the creation of 2,000 new jobs.

Etymology

Harrow's name comes from Old English ''hearg'' = "(heathen) temple", which was probably on the hill of Harrow, where St. Mary's Church stands today.. The name has been studied in detail by Briggs..

Transport

There is a grave stone in the parish churchyard of Harrow-on-the-Hill that states, "To the memory of Thomas Port, son of John Port of Burton-upon-Trent in the County of Stafford, Hat Manufacturer, who near this town had both legs severed from his body by the railway train. With great fortitude he bore a second amputation by the surgeons and died from loss of blood, August 7th 1838, aged 33 years."

On 8 October 1952, three trains collided at Harrow and Wealdstone station killing 112 people. Of the dead, 64 were railway employees on their way to work.

Tube/Trains

The area has good public transport links and is served by the Metropolitan Line of the London Underground, Watford DC Line of the London Overground, and also by the National Rail services of Chiltern Railways, London Midland and Southern (train operating company). Stations in the area are:

''Stations in Harrow''

Harrow-on-the-Hill station (Metropolitan Line & Chiltern Railways)

North Harrow tube station (Metropolitan Line)

West Harrow tube station (Metropolitan Line)

South Harrow tube station (Piccadilly Line)

''Stations outside but near Harrow''

Harrow and Wealdstone station (Bakerloo Line, London Overground, London Midland & Southern)

Sudbury Hill tube station (Piccadilly Line)

Rayners Lane tube station (Metropolitan Line & Piccadilly Line)

Northolt Park railway station (Chiltern Railways)

Roads

Harrow is located near the A406 North Circular Road and the M1 Motorway. The A40 Western Avenue is also nearby.

Buses

The town centre has a major bus station adjacent to Harrow-on-the-Hill station that serves as an important hub for buses in the area. Many London Buses routes to North and West London pass through this station. The following table represents all routes running in Harrow, including their start/destination and their bus operator.

	Mill Hill Broadway	Ruislip	Transdev London
	Harrow Weald	Heathrow Airport	Metroline
	Harrow Weald ''Oxhey Lane''	Brent Cross	Metroline
	Golders Green	Pinner	Transdev London
	Brent Cross	Northwick Park	Metroline
	Harrow		First Centrewest
	Watford Junction	South Harrow	Arriva Shires & Essex
	Edgware	Harrow	Arriva Shires & Essex
	Harrow	Greenford	Metroline
	Harrow	Harrow	Transdev London
	Mount Vernon Hospital	Harrow	Transdev London
	Northwick Park	Hatch End	Transdev London
	Harrow		Transdev London
	Harrow ''H18: circular, clockwise via North Harrow''	Harrow ''H19: anticlockwise via Kenton''	Arriva Shires & Essex
	Trafalgar Square	Harrow Weald ''Bus Garage''	First Centrewest

Nearby districts

Harrow on the Hill

North Harrow

South Harrow

West Harrow

Harrow Weald

North Wembley

Rayners Lane

Northwick Park

Greenhill

Roxeth

Kenton

Wealdstone

Geography

Notable residents

References

External links

Harrow Times newspaper

Harrow Council Homepage

Category:Districts of London Category:Districts of Harrow Category:English mythology Place names Category:Non-Christian religious placenames in Britain Category:Metropolitan centres of London Category:Districts of London listed in the Domesday Book

fr:Harrow nl:Harrow (Londen) no:Harrow nn:Harrow i London pt:Harrow (Londres) tr:Harrow, Londra vi:Harrow, Luân Đôn

A financial adviser or financial advisor, is a professional who renders financial services to individuals, businesses and governments. This can involve investment advice, which may include pension planning, and/or advice on life insurance and other insurances such as income protection insurance, critical illness insurance etc., and/or advice on mortgages.

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The main purpose of a financial adviser is to assist clients in the planning and arrangement of their financial affairs, such as savings, retirement provisions, tax treatment and wills. To ensure ethical practices, financial advisers must understand a client's financial situation as well as their need for financial stability. Finance can be complicated and any adviser has responsibilities ethically to see that a client's risk is minimized, and monetarily, that money is maximized within the established risk boundaries.

Retirement planning

One of the major services that financial advisers offer is retirement planning. A financial adviser should have knowledge of budgeting, forecasting, taxation, asset allocation, and financial tools and products to establish realistic goals and the strategy by which to reach them. In the United States, this will include the use of several investment tools such as 401(k)/403(b) Roth account(s), Individual Retirement Accounts/Roth IRAs, mutual funds, stocks, bonds and CDs.

The financial adviser determines what percentage of the available income is necessary—taking into account tax liabilities, expected inflation, and projected return on investment—to meet a minimum balance by the client's target age of retirement. This is a fairly straightforward calculation, and many automated tools do this. The financial adviser's greatest contribution is asset allocation: determining how to maximize the return on investment while satisfying the client's risk tolerance.

Investing

Financial advisers may help their clients invest for both long and short term goals. It is the financial adviser's duty to determine the clients' goals and risk tolerance and then to recommend appropriate investments. Generally, a long time horizon allows for the advisor to recommend more volatile investments with potentially greater risks and rewards. Such investments include direct investment in stocks or through collective investment products such as mutual funds and unit investment trusts/unit trusts.

If the client has shorter term goals, the adviser should recommend less volatile investments with shorter time spans. Such investments could include cash deposits, certificates of deposit, and short term bonds. While these types of investment generally have lower returns there is less volatility and there is less likelihood of losing principal capital. Although short-term investments can guard against loss of capital, their value can be eroded by inflation over longer periods of time.

Compensation

Fee-only

As defined by the review materials for the Certified Financial Planner exam and the National Association of Personal Financial Advisors, fee-only financial advisors, such as an investment advisor, are compensated solely by the client, typically achieved through a combination of hourly fees (including retainers), financial planning fees, and asset management fees. Neither advisors nor affiliates may receive commissions, rebates, awards, finder’s fees, bonuses or other forms of compensation from others as a result of a client’s implementation of the individual’s planning recommendations. The fee-only model of compensation reduces the potential for conflicts of interest between the advisor and the client in that the advisor is not beholden to insurance companies, particular investments, and other financial companies.

A clear distinction should be made between brokers, who often refer to themselves as "fee-based" (receiving both fees and commissions) and "fee-only" (someone who never receives compensation or incentives from a third party.)

A fee-only advisor may reduce conflicts of interest such as:

advising a client to buy products and make investments when holding cash and other liquid assets may have been a more suitable recommendation at that time.

an incentive to generate commissions through the unnecessary buying and/or selling of securities (also known as churning).

an incentive to convert non-cash assets such as real estate and collectibles to cash and securities so that the advisor can generate a commission.

an incentive to make recommendations that pay higher sales commissions to the advisor when a less expensive alternative may have been available.

Commission-based

Many financial advisers receive a commission payment for the various financial products that they broker, although "fee-based" planning is becoming increasingly popular in the financial services industry.

Online-only

A new class of services that deliver guidance regarding financial planning are emerging, offering low cost financial advice through the sponsorship of HR department of employers. Companies like HelloWallet are offering low cost financial advice through the employer. These services are also delivered to the poor through donation of HelloWallet as well as philanthropic organizations.

History

Much of today's model for what a financial advisor is stemmed from IDS Financial Services, which later became known as American Express Financial Corporation (AEFC) after the company was sold by Alleghany Corporation, and later became Ameriprise. At IDS, a young rep named James Tausz was a top-ranked broker and served as the basis of inspiration for the company's model of "Financial Planning for a Fee," which IDS VP Vint Lewis popularized by training thousands of IDS stock brokers. Today, the concept of a "Financial Advisor" is widely popular. Before the IDS model, almost all stock brokers worked on commissions only.

Qualifications

United States

There are three types of licenses for individual professionals who typically hold themselves out as Financial advisors: Investment Advisor Representative, Registered Representative (also known as a "Stock Broker"), Insurance Producer. The practice of investment advice, the sale of investment securities and the sale of insurance products are regulated and therefore an individual must pass an exam, affiliate with a firm and register with one or more states before conducting business. A Financial advisor may hold any combination of these licenses depending on the nature of their financial practice. Similar to the term Financial advisor, the terms wealth manager, financial consultant and financial planner do not refer to a specific license or designation. These terms are typically select by individuals to help describe the nature of their financial practice.

The Chartered Financial Analyst (CFA) designation, the Certified Financial Planner (CFP) designation, the Chartered Life Underwriter (CLU), The Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), Registered Financial Consultant (RFC) and the Masters of Science in Financial Services (MSFS) are all advanced specializations that require elaborate course work to obtain. These professional designations are issued by organizations such as the Chartered Financial Analyst Institute, the Certified Financial Planner Board of Standards, and the College for Financial Planning.

In the United States, a firm registers as an investment advisor with the Security and Exchange Commission (SEC) or a state, depending on the amount of assets that receive continuous and regular supervisory or management services (Assets Under Management, or "AUM"). For a firm to register with the SEC, it must have over $25 million of AUM at the time of registration or within 120 days of the effective date of the registration. If a firm has less than $25 million of AUM and doesn’t anticipate having $25 million or more within 120 days of the effective date of the registration, then it must register with the individual state(s) as an investment advisor. If a firm has $30 million or more of AUM, then it must register with the SEC. Firms with more than $25 million and less than $30 million of AUM can be registered with either the state or SEC. The SEC’s definition of AUM is outlined in the Form ADV Part 1 and should be thoroughly reviewed and consulted prior to beginning the registration process.

Certain multi-state advisors may also register with the SEC, as well as certain Internet based advisors. If an advisor does not qualify for registration with the SEC, the adviser must register with the states where it maintains an office, as well as each state where its clients are located. There are de minimus exemptions in most states, typically exempting from registration those advisors with less than 6 clients, but the exemption varies from state to state.

Common examples of investment advisors include pension fund managers, mutual fund managers, trust fund managers and also individuals, partnerships, or corporations that have registered under the Act, and those who fall within certain exemptions. Stock brokers (known as "registered representatives" under U.S. federal law and licensed in the various states) are not necessarily (and normally are not) Registered Investment Advisors.

In general, under U.S. law, investment advisors owe their clients an ongoing fiduciary duty to provide full and complete disclosure of all fees, conflicts of interest, and if so authorized, to exercise discretion in selecting investments with only their clients' best interests in mind.

In many cases, a Registered Investment Advisor (RIA) is a corporation or partnership while the person actually providing the advice is an investment advisor representative (IAR) of the advisor organization. Investment advisor representatives and individuals registered as investment advisors are sometimes certified as a Certified Financial Planner (CFP) practitioner by the Certified Financial Planner Board of Standards, Inc. or a Chartered Financial Analyst(CFA) holding a charter from the CFA Institute after they have passed the appropriate examinations, have agreed to abide by a code of ethics, and have maintained the required continuing education credits. The CFP and CFA credentials are not, however, required for registration as a Registered Investment Advisor.

The registration process to become an investment advisor is becoming increasingly complex, with examination requirements, books and record retention and increased state regulation of smaller investment advisors.

Regulation

In the United States, the Financial Industry Regulatory Authority (FINRA) regulates and oversees the activities of more than 5,050 brokerage firms, approximately 172,050 branch offices and more than 663,050 registered securities representatives. A financial adviser or stock broker should be licensed to provide any consultation on investment in securities. Typical licenses needed to promote the sale of stocks are the: Series 7 (General Securities exam), Series 63 (State Securities exam), and Series 65 or 66 Uniform Investment Adviser Law Exam. Generally, any adviser who charges a fee for investment advice would need to also have the Series 65 or 66 license. Thus, anyone can call themselves a financial planner (although care must be taken not to be confused with a Certified Financial Planner), but they would still need FINRA licenses to provide advice for a fee or be registered as an investment adviser with the Securities and Exchange Commission in the USA. Anyone in the business of providing financial advice can call themselves a Financial Advisor. There currently isn't any regulation on the use of this title. To charge a fee for advice, one must pass the FINRA Series 65 test—The Uniform Investment Adviser Law Examination. To be a "Registered Investment Adviser" (RIA) or "Investment Adviser Representative" (IAR), one must pass the FINRA Series 65 exam or both of the FINRA Series 7 and Series 66 exams. Many brokerage firms still claim an exemption for their employees who sell fee based products and services.

Canada

The financial advisor role in Canada is varied. Most financial advisors carry either a life insurance license or a securities license. The life insurance license is obtained through successful completion of the life license qualification program, except in Quebec, where licensing is completed through l'autorite des marchiers financiers. There are three distinct securities licenses available. Completion of the Canadian Securities Course allows the sale of most types of securities, including stocks, bonds, and mutual funds. More advanced licensing is required for the sale of derivatives and commodities. Completion of a mutual funds course allows the advisor to sell mutual funds only, excluding certain types of very specialized funds. The third possible license is the exempt securities license.

In all cases, licensing requires the support of a dealer or insurer. It is also mandatory for advisors to carry Errors and Omissions Insurance. Technically, the term financial advisor refers to a securities licensed individual who provides investment advice to retail clients. However, there is little regulatory control exercised over use of the term, and, as such, many insurance brokers, insurance agents, securities brokers, and others identify themselves as financial advisors.

Many financial advisors in Canada are also financial planners. While there are numerous financial planning designations, the most common is the Certified Financial Planner designation. There is no regulation, outside of Quebec, of the term "Financial Planner".

United Kingdom

There are three main bodies awarding qualifications for financial advisers in the UK. The main one is the Chartered Insurance Institute, which offers professional financial services qualifications all the way from beginner to degree levels. The IFS School of Finance offers alternative courses/qualifications in certain specialist areas such as mortgages and equity release. The Institute of Financial Planning offers the Certified Financial Planner.

In the United Kingdom investment advice is given either by a financial advisor or a stock broker.

Financial advisors need to pass an exam and receive a Certificate in Financial Planning (previously the Financial Planning Certificate) or the Certificate for Financial Advisers, and also authorised by the Financial Services Authority, a UK government qango that must be satisfied the advisor is a “fit and proper person” before they may practice.

Financial advisors are either tied, multi-tied, independent, or fee-only.

As the classifications suggest, tied advisors can only recommend 'financial products' marketed by the company they represent. Typically that company employs them but in some cases they work for that organisation under a type of self-employed contract that usually precludes other paid work.

Multi-tied agents perform a similar role, except they represent a number of different companies. This is sometimes referred to as the panel system. Tied and multi-tied advisors are nearly always rewarded via commission, though in some cases (and if the advisor is employed rather than self employed) commission may be expressed in notional terms to justify a salary.

An Independent Financial Adviser must offer advice on all 'financial products' on the market (which carry commission) and, in addition, must offer clients the choice of paying a fee for advice about a product or products, rather than being remunerated commission from the financial institution that is promoting the product.

A Fee-only financial adviser designs bespoke solutions, and often by investing directly removes marketing commissions and charges from the costs that clients would otherwise pay. Fee-only advisory firms tend to accept a professional duty of care.

In the UK there has been much debate in the media about the effectiveness of financial advisors, especially in situations where there is perceived bias toward 'financial products' that carry commission.

''Best advice'' is a concept which was never more than a heading in the FSA / PIA / NASDIM regulations (and is now withdrawn in favour of the 'appropriate' standard) and which refers to the general obligation under Contract Law (Agency) that a broker has to find the correct 'financial product' to match a client 'need'. A tied or multi-tied advisor must recommend the most appropriate financial product within their company, even if a more appropriate product is available in the market place. An Independent Financial Adviser must recommend an appropriate financial product in the market place, even if a better solution is available outside the universe of commission-paying 'financial products'.

In the UK many believe impartial advice can be obtained only by consulting an independent financial advisor. Others believe it can only be obtained by consulting an advisor that never accepts commission.

Republic of Ireland

The QFA ("qualified financial adviser") designation is awarded to those who pass the Professional Diploma in Financial Advice and agree to comply with the ongoing "continuous professional development" (CPD) requirements. It is the recognised benchmark designation for financial advisers working in retail financial services. The qualification, and attaching CPD programme, meets the "minimum competency requirements" (MCR) specified by the Financial Regulator, for advising on and selling five categories of retail financial products:

Savings, investments and pensions,

Housing loans and associated insurances,

Consumer credit and associated insurances,

Shares, bonds and other investment instruments, and,

Life assurance protection policies.

New Zealand

The National Certificate in Financial Services [Financial Advice] [Level 5] is currently being introduced in New Zealand. All Individuates and registered legal entities providing financial services must be registered as a RFSP( Registered Financial Service Provider ) Their Directors, retail and sales staff are required to gain the national certificate.

The New Zealand Qualifications Authority (NZQA) in conjunction with industry groups via the ETITO administers a qualifications frame work for the qualification. Registrations and examinations are conducted by the ETITO. All Financial Advisers are required to register with the ETITO by March 31, 2011

The Qualifications Framework consists of a core set of competencies sets, A B C followed by 2 electives covering specialist areas such as Insurance and Residential Property Lending. Certain NZQA approved qualifications such as an Accountancy degree may exempt student from competency set A NZQA approved training in the certificate is offered by the New Zealand Open Polytechnic as well as several other accredited organizations

See also

Collective investment schemes

Socially responsible investing

References

External links

10 Questions to Ask When Choosing a Financial Planner

AAFM American Academy of Financial Management

IAIA International Association of Investment Advisers

AIFA Association of Independent Financial Advisers - UK Trade body

FSA website Financial Services Authority (UK)

IAA Investment Adviser Association

NAIFA National Association of Insurance & Financial Advisors

SEC IA Search SEC Database of US Registered Investment Advisers

SECLaw.com Financial Advisor Legal Information Center

€FPA €uropean Financial Planning Association

Category:Finance Category:Investment Category:People in finance

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