MissAdventure
Thank you, doodledog.
I can't quite get past the effect that the notion of Mr. Clooney, shirtless, is having on me.
(Still think I've got it wrong!)
No you are right. He has that effect on many women, and it affects their heart rate. 
Another way to remember is that nouns can have articles ('a' or 'the') in front of them. If you can do this, the correct word is 'effect' - the noun. The word 'the' ends in an 'e', and 'effect' begins with an 'e'.
If you can't use an article, the word is always 'affect' (verb).
Fortunately, that is more difficult to explain than to remember! Just check if the sense would be there if you put 'the' in front of it, and if the answer is yes, use 'effect', as it begins with the last letter of 'the'.