I see this is old, but I'm posting in case you get more or in case someone else sees this in their search.
A doctor or dermatologist would probably never agree with this, but I get these a lot -- I clean off my cuticle nippers with alcohol (or put over fire) to sterilize. Then I use it to slightly cut or break open the top layer of skin over the calcium deposit. Once the skin is broken, I squeeze the calcium deposit like a pimple, and it pops out. If it isn't coming out, the skin needs to be broken a little more. There is very little blood, if any, and very low pain, as long as you can handle pordding at yourself without getting weak. You can hardly see the affected area afterwards and it heals up completeley within a couple days. Definitely less noticeable than a recently popped zit.