Of course there are the noun definitions of these words which people seem to confuse some times.

affect - an influence on something or someone - a good affect - a bad affect - or any type of "affect" - something that affects someone or someone could also change something or someone in some way

Harsh winters can affect people from warmer climates in a negative way, then again others from warmer climates seem to adapt quite well.

effect - something that highlights or enhances something in some way - something that adds on in some way - or perhaps even subtracts in some way - could be a change - Effects are usually added to make something more noticeable, standout more, add another tone or flavor to something - It could be something to do with the way we speak or write - Or it could be something artistic - painting - music - writing - acting - architecture - design - clothing design - Things are added for "effect".

The artist's use of bold and bright colors is a very good effect. The colors easily catch one's eye.