If magnetic fields are created by moving charges, how do magnets work? This is probably is stupid question but I think it must clear up some misconception I have. Magnets, presumably have magnetic fields. But where are the moving charges? Don't we need a current?
 A: Most of the magnetism in a magnet comes from the magnetic dipole moment of the electrons orbiting its atoms.  If we think of the electron  as a small spinning charged sphere, then it is the spinning chrage that makes the current. Unfortunately this is a not a good model because the surface of the electron (assuming its "classical radius'') will be moving faster than the speed of light. For this reason Pauli originally did not believe in "spin" --- even though he gets most of the credit for the idea. 
A: 
How do magnets work?

The subatomic particles electron, proton and neutron have magnetic dipole moments. This magnetic fields are intrinsic properties, means this fields exist under all circumstances. In nonmagnetic materials the sum of all magnetic dipole moments is zero.
In permanent magnets the sum over all this magnetic dipole moments is not zero. To produce strong magnets the material will be milled to powder and than pressed under the influence of a strong external magnetic field. During this production process some electrons are "frozen" with their magnetic fields, all in the same direction along the external magnetic field. Behind a certain temperature the and by the help of the thermic oscillations of the atoms the alignment of the magnetic dipole moments gets lost.
Now your question

Magnets, presumably have magnetic fields. But where are the moving charges

is answered in a way that moving charges are not involved. 
