is to produce either a negative or a positive EFFECT.
To Effect (used as a verb) is generally found in expressions such as to effect payment.
My two cents.
Claudia

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Note added at 16 mins (2005-05-07 17:22:18 GMT)
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As a verb, to affect means \"to act upon or have an influence on\": \"Sunless days affect my mood.\" It can also mean \"to make a show of; to put on a pretense of; to feign; to assume\"; as, \"to affect ignorance.\" To effect means \"to bring about or create\"; as, \"to effect a change.\" If you affect something, you do to it. If you effect something, you cause it to be. Advertising might affect the sales of widgets (by causing them to increase), or it can effect sales (bring them about) if, for example, there were no sales at all to begin with.

As a noun, effect means \"result, consequence, outcome.\" An effect is that which is produced when you affect something: \"The poem affected me deeply; it really had an effect on me.\" Affect as a noun is a term from the field of psychotherapy meaning \"the emotional complex associated with an idea or mental state.\" If you are not a psychiatrist or social scientist, you will likely have little use for it.




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Note added at 17 mins (2005-05-07 17:23:45 GMT)
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The above description of affect and effect is found in this link:
dictionary.reference.com/ help/faq/language/a/affecteffect.html

Affect (noun): feeling, affection, emotional disposition. (Not used in everyday language, byut used extensively in psychology. For instance, psychologists measure individual's affective and cognitive responses toward other people or objects.)

Affect (verb, transitive): (1) to produce a material influence upon or alteration in; (2) to act upon.

Example: "The injury affected his speech."

Effect (noun): (1) basic meaning, essence; (2) something that follows an antecedant (which acts a cause), hence the phrase "cause and effect"; (3) and outward sign or appearance or the creation of a a desired impression ("Her tears were only for effect." and "Special effects in films.")

Addition variations exist. See Merriam Webster online.

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Note added at 21 mins (2005-05-07 17:27:06 GMT)
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IN social pysochology, AFFECT is a MEASURE. An individual may have a positive or negative affect toward another person or object.

the two most common mistakes in English are confusing these 2 words and "loose vs lose".
Before dealing with connotations, define each word.
As a verb, (less commonly used in the U.S.) effect means “to bring about or execute.” Thus, using effect in the sentence The measures have been designed to effect savings implies that the measures will cause new savings to come about.

affect = To have an influence on or effect a change in: Inflation affects the buying power of the dollar. 2. To act on the emotions of; touch or move

affect 2. The American Heritage® Dictionary of the English Language: Fourth Edition. 2000.
...Inflected forms: af·fect·ed, af·fect·ing, af·fects1. verb:To put on a false show of; simulate: affected a British accent. 2a. To have or show a liking for: affects dramatic...

Just look at the examples given by American Heritage in the definition.

af·fect tr.v. af·fect·ed, af·fect·ing, af·fects. 1. To have an influence on or effect a change in: Inflation affects the buying power of the dollar. 2. To act on the emotions of; touch or move. 3. To attack or infect, as a disease: Rheumatic fever can affect the heart. --af·fect n. 1. Psychology. a. A feeling or emotion as distinguished from cognition, thought, or action. b. A strong feeling having active consequences. 2. Obsolete. A disposition, feeling, or tendency

This isn't ironclad by any means, but a simple search for "positively affext" vs. "negatively affect" is enlightening I think. : )

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Note added at 15 mins (2005-05-07 17:20:55 GMT)
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Q. What is the difference between affect and effect?
A. Read on . . .
As a verb, to affect means \"to act upon or have an influence on\": \"Sunless days affect my mood.\" It can also mean \"to make a show of; to put on a pretense of; to feign; to assume\"; as, \"to affect ignorance.\" To effect means \"to bring about or create\"; as, \"to effect a change.\" If you affect something, you do to it. If you effect something, you cause it to be. Advertising might affect the sales of widgets (by causing them to increase), or it can effect sales (bring them about) if, for example, there were no sales at all to begin with.

As a noun, effect means \"result, consequence, outcome.\" An effect is that which is produced when you affect something: \"The poem affected me deeply; it really had an effect on me.\" Affect as a noun is a term from the field of psychotherapy meaning \"the emotional complex associated with an idea or mental state.\" If you are not a psychiatrist or social scientist, you will likely have little use for it.

To make it simple, or at least less complicated, keep in mind that usually if you want a noun, the word you want is effect, but if you want a verb, the word you want is affect.
http://dictionary.reference.com/help/faq/language/a/affectef...

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Note added at 18 mins (2005-05-07 17:24:44 GMT)
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Results 1 - 10 of about 115 for \"would not be adversely effected\".
Results 1 - 10 of about 12,000 for \"would not be adversely affected\".

Once again, this isn\'t proof per se but I think it\'s pretty darn compelling.

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Note added at 44 mins (2005-05-07 17:50:23 GMT)
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Drunya,

I agreed that \"affect\" is usually used in a negative connotation. Second reference pertains to usage. Third reference was in direct response to an Asker note.

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Note added at 3 hrs 58 mins (2005-05-07 21:04:07 GMT)
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Perhaps I should have been clearer. No, in light of the numerous responses that piled up while I enjoyed a rare sunny day outside, I definitely should have been. I agreed with Irene that \"affect\" is usually used in a negative sense. That was the point I was trying to make with the definition from the American Heritage dictionary. As I reread my answer I can see where the grounds for confusion came up. My apologies.

That said, I feel pretty comfortable with saying that \"affect\" is used more often than not in a negative sense (this is where the % part comes in Ruth). The word does not in and of itself have a negative connotation. I do think that maybe more was read into this than was necessary and that some of my fellow Prozians seem to be suffering from a slight case of \"disagreeitis\". Just because I\'m not following the \"Gospel according to <insert your name here if the shoe fits> does not mean that said answer is incorrect. Thanks everyone for your comments. : )

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Note added at 4 hrs 19 mins (2005-05-07 21:25:19 GMT)
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Perhaps I should have been clearer. No, in light of the numerous responses that piled up while I enjoyed a rare sunny day outside, I definitely should have been. I agreed with Irene that \"affect\" is usually used in a negative sense. That was the point I was trying to make with the definition from the American Heritage dictionary. As I reread my answer I can see where the grounds for confusion came up. My apologies.

That said, I feel pretty comfortable with saying that \"affect\" is used more often than not in a negative sense (this is where the % part comes in Ruth). The word does not in and of itself have a negative connotation. I do think that maybe more was read into this than was necessary and that some of my fellow Prozians seem to be suffering from a slight case of \"disagreeitis\". Just because I\'m not following the \"Gospel according to <insert your name here if the shoe fits> does not mean that said answer is incorrect. Thanks everyone for your comments. : )