Stocks finished down for a second straight day on Wall Street as the Dow Jones industrial average fell 28.18 to 5,551.37. Declines barely lead advances on a slim 10 to nine margin. Volume on the New York Stock Exchange was again heavy at 410. 36 million shares by 4 p.m. The S & P's 500 also fell, down 4.24 to finish at 651.34. The Nasdaq ended the day higher, rising 2.51 to 1,090.54. In London, gold soared, rising $1.80 to $404.25.