Grape: Things are affected by something. Or, things have an effect on other things.
So "affect" is passive and "effect" is active. Thanks. That's helpful.
Well, not really. The same verb can be used passively or actively.
"Nine states were affected by the hurricane." -- Passive voice.
"The hurricane affected nine states." -- Active voice.
The only time "affect" is a noun is when it means feeling or emotion, and then it's pronounced "AF-ect," with the stress on the first syllable. You seldom hear it outside the psychiatric profession.
is about as clear as anything I've read on the use of "affect" and "effect."