U.S. stocks rose for a second consecutive day, on Tuesday, led by gains in shares of Goldman Sachs, and strength in beaten-down homebuilders and raw materials companies.Goldman Sachs Group rose 2.2 percent as buyers materialized after an early selloff on news that the investment bank's quarterly earnings tumbled 82 percent, steeper than forecast.So the Dow Jones industrial average rose 76 points, or 0.7 percent, to 10,230. The S&P's 500 Index gained 12 points, or 1.1 percent, to 1,083. And the Nasdaq Composite Index added 24 points, or 1.1 percent, to 2,222. Apple reported results that surpassed Wall Street's forecasts. The late buying during the regular session was driven in part by speculation that the Federal Reserve would take steps to spur lending by eliminating interest paid on excess bank reserves held at the Fed.Housing starts fell more than expected in June, the government said, but applications for building permits, a measure of future activity, unexpectedly rose.