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FILE - In a Jan. 30, 2009 file photo traders work on the floor of the New York Stock Exchange. A two-day rally that sent stocks soaring last week fizzled out Monday July 30, 2012. (AP Photo/Richard Drew, file)
Traders work on the floor of the New York Stock Exchange Tuesday, July 31, 2012. U.S. stocks are opening mostly lower ahead of a two-day policy meeting at the Federal Reserve. (AP Photo/Richard Drew)
Trader William McInerney, center, works on the floor of the New York Stock Exchange Tuesday, July 31, 2012. U.S. stocks are opening mostly lower ahead of a two-day policy meeting at the Federal Reserve. (AP Photo/Richard Drew)
NEW YORK (AP) — Stocks are closing lower after investors held back ahead of three critical events this week: policy meetings at both the Federal Reserve and the European Central Bank and a closely watched report on jobs in the U.S. The Dow Jones industrial …
