Welcome vmc !

I believe you're confusing two things. The keywords themselves and the Meta Keywords tag.
The Meta Keywords tag is fairly useless. Google hasn't paid attention to it for years. At all. Nor has MSN/Live. Bing doesn't appear to either, though it's so new I'm waiting for some more data to be sure. Yahoo
may at least recognize it and see that you've put something in there, but if it's a competitive phrase in the market sector simply having it in the Meta Keywords tag isn't going to do you much good. It might be a viable place to put common misspellings for Yahoo, but that's about it.
Long story short, you can essentially forget about the Meta Keywords tag. It just doesn't hold any value with most of the engines and so little that it's not worth the effort for the one that may still pay a little bit attention to it.
Now the Keywords themselves, and how you use them in the <title> tag of the page and in the visible copy is another matter altogether. There you really do need to write for the consumption of real people, working your targeted keyword phrases into your copy where sensible. Write in a way that your users will understand what you're saying and hopefully connect with it.
If you're just starting out you'll probably want to browse through the
[url=http://www.highrankings.com/forum/index.php/topic/833-tips-for-new-seos/]Tips for Newbies[/url] section. It'll answer an awful lot of questions for you.