Originally Posted by
AFDavis11
So I have boat loads of education and I still have trouble with it too. Don't let the lack of an education ever persuade you in your thinking.
As the link suggests, one is usually a verb and the other is usually a noun.
Affect is often used in a psychological sense. Something affects you. It changes your mind perhaps.
Effect is a final event. A noun.
"I was deeply affected by JimmyHad's last PM, but the effect on my shaves was even more startling".
But, as you've noted it gets more complicated than that.