blow out the sky behind the river/trees at the top of your exposure, it is much brighter than the rest of your shot.
To combat this: (1) shoot into the river and hide the sky. If you look at some of the suggestions on this thread, they have omitted the bright sky. This makes it easier.
2), if you want to keep the sky for your composition, you would need a flat GRAD-ND filter. This is like an ND filter, except only part of it is dark, gradually going from dark to clear. A grad ND4, would allow you to lower the exposure of your sky by 4 stops, and would balance your shot.
I usually use a circ-pol, it lowers the scene by a stop or so, AND you get the added bonus of removing glare from water. Then an ND2 if I need an even slower shutter.
Finally, if necessary, a grad ND-4 to move the sky to the same exposure as the water.
Hopes that helps. The streams I shoot are small western-US bodies of water, I don't need anything more than 1s to get a silky smooth result, so I currently don't have a use for an ND10.
Happy shooting!