By Donna Kardos Yesalavich

An unexpected increase in weekly jobless claims spooked investors Thursday, sending stocks lower a day ahead of the government's monthly payrolls report.

The Dow Jones Industrial Average (DJI) fell 50 points, wiping out the measure's 44-point Wednesday climb that had come on better-than-expected private-sector employment data. The private-sector report had served as a source of relief for the market ahead of the government's nonfarm payrolls due Friday, but the concerns ramped back up following the disappointing weekly job data reported Thursday.

Adding to the market's concerns, retailers' July sales came in tepid thanks to hot weather and a cooler economy. Investors have been jittery all week in the run-up to Friday's nonfarm payrolls data, as mixed readings on the economy have left the market seeking clearer signs of the economic recovery's sustainability.

"We're still in that recovery mode that is never linear and never as smooth as you'd like it to be," said Michael Sansoterra, portfolio manager of the Ridgeworth Large Cap Growth Fund. "People are concerned about jobs first and foremost, and rightfully so. It's difficult to get a meaningful [economic] expansion without job growth."

The Dow dropped 50 points, or 0.5%, to 10630. Bank of America Corp. (BAC) was the measure's worst performer with a 1.3% drop, while Microsoft Corp. (MSFT) was also weak, off 1.2%, and Coca-Cola Co. (KO) slipped 1.2%.

The Nasdaq Composite (RIXF) declined 0.8% to 2286, while the Standard & Poor's 500-stock index (SPX) dropped 0.6% to 1121.

The Labor Department said Thursday the number of people applying for initial unemployment benefits jumped 19,000 to 479,000 in the latest week , to the highest level since early April.

The financial sector led the decline, weighed down by a 4.1% drop in Hartford Financial Services Group (HIG) and a 3.6% slip in Regions Financial Corp. (RF). Hartford swung to a second-quarter profit, but lowered its 2010 target for operating earnings. Regions Chief Executive Grayson Hall Jr. warned investors he expects a slow economic recovery, with slow loan growth and a continued decline in home prices.

Treasurys rose, pushing the yield on the 10-year note down to 2.92%. Meanwhile, the U.S. Dollar Index (DXY), reflecting the U.S. currency against a basket of six others, edged up 0.1%, as investors sought safety ahead of the Friday jobs report.

"There's enormous investor cognitive dissonance happening right now," said Fred Fraenkel, vice chairman of Beacon Trust Co. "The problems in the economy are real to them because they know somebody who got a pay cut or got laid off or whose business isn't doing well," yet earnings have been coming in stronger than expected.

Fraenkel added, "people look at good earnings and say 'I don't care, I have to worry about whether it's all going to fall apart in the next few months.'"

The euro slumped to $1.3148 as European Central Bank President Jean-Claude Trichet said while the euro-zone economy is strengthening, but current expansion rates are unlikely to be sustained after the summer. He highlighted the risks posed by renewed tensions in financial markets, rising prices for oil and other commodities, and trade protectionism.

The European Central Bank kept its benchmark interest rate unchanged at 1.00% Thursday, as widely expected, amid persisting concerns about economic growth and sluggish bank lending.

Meanwhile, China's central bank said it needs to strengthen management of inflation expectations as higher domestic labor costs and ample global liquidity will likely add to inflation pressures, while the country's economic expansion is expected to continue to slow. The remarks made by the People's Bank of China, days before Beijing announces its July inflation data, show the policy dilemma the central bank faces amid a fragile global economic recovery and various uncertainties in the economy.

Among retailers' same-store sales reported Thursday, companies such as Macy's Inc. (M), Limited Brands (LTD) and Abercrombie & Fitch (ANF) managed to exceed expectations, but J.C. Penney (JCP), Aeropostale Inc. (ARO) and Hot Topic (HOTT) widely missed the mark and provided discouraging earnings forecasts. Macy's rose 2%, Limited edged up 0.5% and Abercrombie climbed 3%, while J.C. Penney dropped 5.9%, Aeropostale slid 7% and Hot Topic shed 3.2%.

Crude-oil futures fell, as did gold futures.

 
 
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