Guy's:
On this bearing greasing thing, "they" tell you to do it yearly or by milage. I hadn't greased my other trailer for about 3 years or more,(I also didn't use it alot during that time). Anyway FINALLY when I did pull everything apart, there was "like new" amounts of grease in there! Grease was all around the rollers too. So much for the yearly theory! I did "hand pack" each bearing, just for good measure..... USE good quality high temp bearing grease. I used Castrol brand on mine.
Adjusting your brakes is easy, ONCE you get the tire off the floor and roll under the trailer. You can use a brake "spoon" or a flat screwdriver. At the bottom of the backing plate is a slot about an inch wide or so. Sometimes there is a rubber plug in it sometimes not. Stick the tool in the slot and contact the adjuster (it has teeth on it like a gear). Pry with the tool handle from bottom to top of stroke rolling the adjuster wheel. You will know when you turn your tire and it starts to drag, the brake lining is getting out to the drum surface. Some tech's turn them till the tire locks up then backs them back off. I usually just go till it drags lightly. Believe me you can tell a difference the next time you go out with the trailer!!!!
If you are mechanically challanged, you can just pay your tech to adjust them. I'm too cheap for that, that cost will buy you and your DW dinner out, that's more fun in my book.