There are too many words to list. In twelve years of forums I think I've seen it all until something new comes along.
This guideline should cover you about 99% of the time. "Affect" is a verb, meaning "to have an impact on." For example, it affected my fishing, it affected our relationship, it affected the game's outcome, etc.
Use "effect" for all other purposes, such as his personal effects, the effects of Hurricane Isaac. Using a cold front as an example, the front affected my fishing, but the effect of the front on my fishing was negative. In other words, "effect" is a noun almost all of the time.
Hope that's clear.