"determine the location" or namely, is it inside the circle, outside the circle, or right ON the circle?
well, we know the center is at (1,-5) and it has a radius of 5, so the distance from the center to any point on the circle will just be 5, now if (4,-1) is less than that away, is inside, if more than that is outiside and if it's exactly 5 is right ON the circle.
well, we can check by simply getting the distance from the center to the point (4,-1).
[tex]\bf ~~~~~~~~~~~~\textit{distance between 2 points} \\\\ \stackrel{center}{(\stackrel{x_1}{1}~,~\stackrel{y_1}{-5})}\qquad (\stackrel{x_2}{4}~,~\stackrel{y_2}{-1})\qquad \qquad d = \sqrt{( x_2- x_1)^2 + ( y_2- y_1)^2} \\\\\\ d = \sqrt{[4-1]^2+[-1-(-5)]^2}\implies d=\sqrt{(4-1)^2+(-1+5)^2} \\\\\\ d = \sqrt{3^2+4^2}\implies d =\sqrt{9+16}\implies d=\sqrt{25}\implies \stackrel{\textit{right on the circle}}{d = 5}[/tex]
