what you need - a paper clip, some tape (i used washi as it is all i have readily available, but scotch works too) and nail polish.
what you do - paint your nails with a base color as you would ... finish them with a top coat and let dry. you guys, this is the only top coat i use ... THE ONLY ONE. and i love it. after your nails are dry take the tape and tape 'em off as illustrated above. or use the end of a paper clip dipped into a dollop of polish to go the dot route. then re-coat with the super shiny top coat, let dry and instagram them ... we can be samesies, wouldn't that be fun?