I very much appreciate you trying to give me some ideas....
I got the answer though. My own silliness. (I had posted this in MacWorld's forum, and am pasting part of my reply here too).
My brother had put his copy of an older version of Toast on a CD (copied it from his Applications folder) and ran it on my Mac. THAT'S where it got that name from. When the old App. was ran from the disc, it still created a Preference file. And, that pref. file was still there when I migrated my old user to my new Mac. Thus, it pulled that name as the default 'name' when installing mine [i wasn't going to use his... I just wanted to know if that version would work on Leopard/Snow Leopard or not. I went ahead and purchased version 9, because it was sufficient for me, and cheaper than v10].
SILLY ME. I didn't even think that there may be a preference file that would have been copied over. But, everything is OK.