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Chances are you’ve had a coincidence in your life, maybe a particularly memorable one that makes you wonder why.

Carol Tippett did. Ms. Tippett, and her husband, Eddie Hedger, of Portland, Ore., owned a franchise called Hoodz that cleaned commercial kitchen equipment. They were at a critical point, having just landed a big contract, when Eddie was killed in a motorcycle accident in 2014. During the months that followed, Ms. Tippett struggled over whether to invest in the business or sell it. At one point, she found herself…