Alberta Career & Life Management Standards: Helpful Resources

Alberta Career and Life Management Curriculum Alignment

To support Alberta educators delivering the required CALM course (minimum 3 credits for graduation), we have aligned our learning materials to the Resource Choices (R1–R11) and Career and Life Choices (C1–C11) specific outcomes from Alberta’s Career and Life Management Guide to Implementation (Program of Studies, 2002).

Explore the table below to see exactly how our lessons, Budget Game, and Stock Game reinforce the specific learning outcomes your students need to master. Our Learning Library contains over 300 total lessons that can be customized for every class, so this may not include every lesson that may apply for each standard.

This alignment covers the financial literacy and career development outcomes within CALM (General Outcomes 2 and 3). Personal Choices outcomes related to health and relationships are outside the scope of PersonalFinanceLab.

Legend:

Long-Term Game
Comprehensive Chapter
Short Lesson
Interactive Calculator
Includes Automatically-Graded Assessment

Standard	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R1. identify personal resources, and explain how they could be of value to self and others
R1.1 describe the combination of resources-time, physical energy, emotional energy and sensitivity, current knowledge and information and the skills to increase these, skills and talents, access to technology, finances-and how these resources can be used to meet lifestyle demands and choices	Lesson – Financial Resilience and Life Transitions
R1.2 explain how personal resources can grow with maturity, education and new contacts	Lesson – Career Readiness & Workplace Relationships
R1.3 examine the fundamentals of getting and using money-basic information on getting an income, deductions, paying taxes, using money for various expenses	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Lesson – The Basics of Filing Taxes in Canada
R1.4 prepare and use a personal budget	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Activity – Find Out Your Monthly Home Budget
R1.5 identify strategies for making the most of an income-understanding spending, reducing spending, meeting financial commitments and obligations, saving	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Activity – Watch How Your Savings Could Grow
R2. compare needs, wants and consequences, with consideration of self, others and society	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R2.1 explain how to make thoughtful choices and decisions, using financial plans as tools	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan
R2.2 examine the negative impact of gambling, lotteries and high-risk get rich strategies	Lesson – Knowing Your Risks & Risk Tolerance Lesson – Proven Techniques to Stop Overspending
R3. examine sources of lifestyle aspirations, and relate these to personal resources	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R3.1 describe how personal values, goals and lifestyle choices must be integrated into a financial plan	Lesson – Financial Resilience and Life Transitions
R3.2 define and assess the components of a personal resource plan	Lesson – Financial Resilience and Life Transitions
R3.3 define and assess the components and characteristics of a financial plan	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan
R3.4 explain why plans must be flexible to adapt to changes	Lesson – Financial Resilience and Life Transitions
R3.5 examine how to change plans as goals and/or lifestyles change and in response to new information	Lesson – Financial Resilience and Life Transitions
R3.6 analyze how personal goals and priorities, personal needs and wants, and cultural influences affect the use of all of one's personal resources	Lesson – Financial Resilience and Life Transitions
R4. demonstrate knowledge of and a commitment to achieving personal financial goals	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R4.1 identify the benefits of proactive personal financial planning	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan
R4.2 develop the skills for calculating net worth and other indicators of the status of personal resources	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Activity – Get a Snapshot of Your Financial Health
R4.3 explain the importance of flexibility	Lesson – Financial Resilience and Life Transitions
R4.4 generate a list of strategies for persisting in meeting financial and personal goals	Lesson – Financial Resilience and Life Transitions
R5. determine the varied implications and challenges of independent/interdependent living	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R5.1 develop a personal budget	Budget Game – Core Component Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan Activity – Find Out Your Monthly Home Budget
R5.2 assess strategies for finding a place to live	Lesson – Financial Resilience and Life Transitions
R5.3 develop strategies for finding a suitable roommate and living with a roommate	Lesson – Financial Resilience and Life Transitions
R5.4 describe the rights and responsibilities of a tenant	Lesson – Financial Resilience and Life Transitions
R5.5 examine the obligations of living independently	Lesson – Financial Resilience and Life Transitions
R5.6 discuss the consequences of moving back home	Lesson – Financial Resilience and Life Transitions
R6. develop strategies to be informed consumers	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R6.1 explain the power and importance of sustainable development	Lesson – How a Business Can Be Socially Responsible
R6.2 describe the influences on personal consumer choices	Lesson – Protect Yourself as a Consumer
R6.3 develop marketplace skills	Lesson – Protect Yourself as a Consumer
R6.4 explain the rights and responsibilities of a consumer	Lesson – Protect Yourself as a Consumer
R6.5 practise the skills for communicating consumer concerns	Lesson – Protect Yourself as a Consumer
R6.6 classify forms of consumer protection	Lesson – Protect Yourself as a Consumer
R6.7 demonstrate informed consumer actions regarding health issues, products and services	Lesson – Protect Yourself as a Consumer
R6.8 analyze the impact of personal values, wants and needs on being an informed and responsible consumer	Lesson – Protect Yourself as a Consumer
R7. evaluate the services and costs of various types of financial institutions	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R7.1 identify types of financial institutions	Lesson – Canadian Banking Essentials
R7.2 describe types of accounts and their uses	Lesson – Canadian Banking Essentials
R7.3 develop basic banking skills, including electronic fund transfers (EFT) such as automated teller machines (ATMs), online banking, telephone banking	Lesson – Canadian Banking Essentials
R7.4 examine the use of debit cards and their benefits and limitations	Lesson – How Debit Cards Work
R7.5 analyze the use of other cheque cashing services and their benefits and limitations	Lesson – Canadian Banking Essentials
R8. evaluate the advantages and disadvantages of credit	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R8.1 describe the need for credit, the forms of credit and the procedures for obtaining credit	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
R8.2 generate strategies for using credit wisely	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
R8.3 examine the costs of using credit, the dangers of overextended buying and the impact of credit ratings	Budget Game – Core Component Lesson – A Beginner's Guide to Borrowing Wisely Lesson – Credit Cards: Terms, Fees, and More Lesson – Your Canadian Credit Report
R9. examine various types of investments and the practical and ethical issues of investing	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R9.1 describe the continuum of saving and investing, various common investments and the pyramid of risk	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – A Beginner’s Guide to Investing in Stocks
R9.2 explain why investments appreciate and depreciate in value	Stock Game – Core Component Lesson – How to Develop an Investing Strategy Lesson – What is Diversification & How to Spread Your Risk Lesson – A Beginner’s Guide to Investing in Stocks
R9.3 discuss investing with personal values, the meaning of ethical investing and the importance of being a wise consumer in this regard	Investing101 Course – Chapter 8 (Current Hot Topics In Trading)
R10. identify and analyze a variety of types of insurance	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R10.1 identify insurable risk factors	Lesson – Types of Insurance Lesson – Car Insurance: How to Lower Your Rates Lesson – Life Insurance: The Ultimate Safety Net
R10.2 analyze consumer strategies for obtaining appropriate insurance; e.g., automobile, tenant, health, travel, home/condominium, disability, life	Lesson – Protect Yourself as a Consumer Lesson – Types of Insurance Lesson – Car Insurance: How to Lower Your Rates Lesson – Life Insurance: The Ultimate Safety Net
R10.3 examine issues of insurance fraud	Lesson – Types of Insurance Lesson – Car Insurance: How to Lower Your Rates Lesson – Life Insurance: The Ultimate Safety Net
R11. develop strategies to overcome potential resource challenges	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
R11.1 examine ways to adapt financial plans and spending in response to both planned and unexpected changes in life; i.e., by envisioning possible futures, by anticipating obstacles and adjusting plans to handle possible changes	Budget Game – Core Component Lesson – How to Prepare for Unexpected Expenses Lesson – Break Free From Money Stress with a Budget Lesson – Achieve Financial Goals with a Spending Plan
R11.2 explain the importance of flexibility in making financial decisions and taking action	Lesson – Financial Resilience and Life Transitions
R11.3 analyze strategies to deal with crises	Budget Game – Core Component Lesson – How to Prepare for Unexpected Expenses Lesson – The Art of Juggling Many Bills in a Pinch
C1. examine the components of effective career development as a lifelong process	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C1.1 describe the career planning process and principles	Lesson – Career Development & Pathway Planning
C1.2 relate present daily living skills and experiences to career aspirations	Lesson – Career Readiness & Workplace Relationships
C1.3 explain the importance of ongoing self-assessment and self-appraisal	Lesson – Career Readiness & Workplace Relationships
C2. update and expand a personal profile related to potential career choices	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C2.1 assess personal assets, such as interests, competencies-including skills, abilities, aptitudes and talents-personality traits, limitations and strengths, to expand a personal profile	Lesson – Career Readiness & Workplace Relationships
C2.2 assess employability skills and personal, transferable and knowledge-based skills to expand the personal profile	Lesson – Career Readiness & Workplace Relationships
C2.3 examine other influential factors, including aspirations, attitudes, values, goals and the expectations of others, or lack thereof, to include in the personal profile	Lesson – Career Readiness & Workplace Relationships
C3. examine the relationship among career planning, career decisions and lifestyles	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C3.1 explain how decision making, goal setting and planning are ongoing, integrated actions	Lesson – Planning Your Career Path
C3.2 demonstrate the use of a decision-making process as part of the career planning process	Lesson – Planning Your Career Path
C3.3 describe various factors that can affect opportunities for education and careers	Lesson – Career Development & Pathway Planning
C3.4 explain why being resourceful is important to success	Lesson – Career Readiness & Workplace Relationships
C4. develop strategies to deal with the transition from senior high school to post-secondary education/training and/or the world of work	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C4.1 describe the types and amount of work that can be done now	Lesson – Career Development & Pathway Planning
C4.2 assess existing opportunities for work experience, cooperative education, and volunteer and paid part-time work	Lesson – Career Development & Pathway Planning
C4.3 use the community in a search for information and experience through career mentoring, job shadowing, investigative interviewing, networking and personal research	Lesson – Career Development & Pathway Planning
C4.4 build one or more plans for a transition period of 3 to 5 years	Lesson – Career Development & Pathway Planning
C4.5 analyze the career paths of others	N/A
C5. develop a quality career portfolio	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C5.1 describe various sources of personal career aspirations	Lesson – Career Readiness & Workplace Relationships
C5.2 assess a wide range of career possibilities	Lesson – Career Development & Pathway Planning
C5.3 build a personal occupational profile, including information gathered while envisioning possible futures, examining future employment trends and researching possible career choices	Lesson – Career Development & Pathway Planning
C5.4 discuss the importance of persistence and the creation of options throughout career development planning	Lesson – Career Development & Pathway Planning
C5.5 build a quality career portfolio by combining the occupational profile and the personal information profile	Lesson – Career Development & Pathway Planning
C5.6 discuss how a career portfolio can be used	Lesson – Career Development & Pathway Planning
C6. investigate the range of learning opportunities in post-secondary programs, on-the-job training and apprenticeship training programs	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C6.1 develop a network of information about a wide range of possibilities	Lesson – Career Development & Pathway Planning
C6.2 assess the range of possibilities, their costs, and the available assistance and funding	Budget Game – Core Component Lesson – Paying for Post-Secondary Education in Canada Lesson – Go to College or Start Working? Activity – Student Loan Repayment Calculator
C7. analyze variations in employment and the implications in the life career process	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C7.1 analyze the value of work in one's life	Lesson – Career Development & Pathway Planning
C7.2 assess the changing nature of the workplace and the ramifications of unemployment, underemployment, seasonal work and other patterns of employment	Lesson – Public Financial Assistance Programs Lesson – The Anatomy of Unemployment
C7.3 explain the importance of flexibility in career planning	Lesson – Planning Your Career Path
C8. determine skills, attitudes and behaviours necessary to getting a position	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C8.1 identify job search strategies for volunteer and paid positions	Lesson – Biggest Mistakes of Job Seekers Lesson – Acing Job Interviews Lesson – How to Get Past Resume Software
C8.2 describe personal marketing strategies to find employment	Lesson – Biggest Mistakes of Job Seekers Lesson – Acing Job Interviews Lesson – How to Get Past Resume Software
C8.3 develop guidelines for the use of portfolios and resumes, and strategies to find the hidden job market	Lesson – Career Development & Pathway Planning
C9. determine the skills, attitudes and behaviours necessary for retaining a job	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C9.1 analyze workplace protocol	Lesson – The Ultimate Employee Guide
C9.2 assess strategies for meeting employer expectations to succeed at a job	Lesson – Workplace Rights, Safety, and Equity in Canada
C9.3 examine the issues and strategies for leaving a job and losing a job	Lesson – Workplace Rights, Safety, and Equity in Canada
C10. investigate employer and employee ethics, rights and responsibilities	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C10.1 examine the responsibilities and rights of employers	Lesson – The Ultimate Employee Guide Lesson – What Benefits to Look for in a Job Offer
C10.2 investigate issues and regulations regarding health and safety on the job	Lesson – Workplace Rights, Safety, and Equity in Canada
C10.3 examine the responsibilities and rights of employees, and suggest strategies for realizing these	Lesson – The Ultimate Employee Guide Lesson – What Benefits to Look for in a Job Offer
C10.4 generate a list of strategies for identifying and dealing with discrimination in the workplace	Lesson – Workplace Rights, Safety, and Equity in Canada
C11. design a plan for turning life goals and aspirations into reality	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
C11.1 consider aspects of enterprise and innovation as possibilities	Lesson – What is Entrepreneurship? Lesson – Starting a Business 101 Lesson – Forms of Business Ownership
C11.2 examine various entrepreneurs and their success	Lesson – What is Entrepreneurship? Lesson – Starting a Business 101 Lesson – Forms of Business Ownership
C11.3 generate a list of ways to deal with the challenges of going out on one's own	Lesson – What is Entrepreneurship? Lesson – Starting a Business 101 Lesson – Forms of Business Ownership