For the past month I have noticed that when I click the cart of my site (https), it will take 15+ seconds to load, the first time. After that it flies through the process. I thought it might just be me, but when I went home it did the same thing. As a quick solution I did a loading page (like paypal) until the https was ready.

How can I check if this is overloaded, or optimize it so it doesn't happen. I know it's not the script because even if the page is html page, and it's the first time that day it will take the same amount of time.

These type of problems are what I like to call a "Hidden Site Killers".

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Server doesn't have a high CPU usage, and has plenty of unused ram, and HD space.