We have a surplus of cash
Or you can say
We have surplus cash
It is a noun, and can also be used as an adjective, which means
something that remains above what is used or needed.
And it also means
an amount of assets in excess of what is requisite to meet liabilities.
That does fit the situation in this question. Someone might argue that surplus does not really mean abundance of as might be expected by the OP but there is a fine difference to note here in what OP has typed and the situation that OP has presented.
Short of does not mean having very little, it means closer to the target but a little less. Hence the antonym for that situation would be something that expresses the fact that it is a little more than what is needed, which surplus explains well. Abundance of or Plenty of change the expression.
It seems like you are trying trying to convey the message in the simplest way possible, regardless of grammaticality. So, my response relies on what I think sounds natural. Also, I assume that you want to keep this specific
Is she beautiful or smart or X?
structure.
I assume that there is a woman and you are interested in two particular traits, being beautiful and being smart. There three options and only one can be chosen:
- beautiful
- smart
- not beautiful and not smart
Your 1. expresses the scenario, but neither one seems redundant since the question is brief. In my opinion, you don't need the word one.
If your 1. is redundant, then your 2. is definitely redundant. It still expresses the scenario, but "one of them" is excessive. Again, I am assuming that you want the simplest answer. In this instance, I am taking simple to mean terse.
Your 3. doesn't sound right. To me, of them suggests that there are more than two traits up for consideration. None also suggest to me that there are more than two traits up for consideration. So none of them strongly suggests that to me.
As you can imagine, I like 4. best. Regardless of whether we use the word neither correctly or not, we understand that it is to be used with two things. Because of this strong association with two things, I think it is natural to use neither here. In this instance, neither implies exactly "not trait one nor trait two".
I don't like none in 5. Again, none suggests use with more than two things to me, which is not the case here.
Best Answer
Either of these is acceptable, perhaps the latter is a little more informal. You can also say "I'm of average height", although this is perhaps the most formal of all.
This isn't idiomatic. Saying "I'm an average" height suggests that there are many averages. True, "average height" is normally within a range determined by age, gender etc, but your height is either average or it is not and this just sounds vague. It's okay in other contexts though - you might say "I'm an average piano player".